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Question By
honeybear17

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My credit score is much higher with CK than recently reported on an inquiry!
At the time of the inquiry my score was 733, there's was reported @693. Why!

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CK uses the Vantage 3.0 scoring model, whereas what you got was a FICO score. 
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Most lenders use FICO, so that's the most accurate (most times the two models come out to the same numbers.)

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And that is explained very clearly in the articles on this site so people can learn about credit.  Your question has also been asked numerous times before.

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Different scoring models used. Always look to see what kind of score you are getting. You get Vantage scores here, but most lenders use FICO scores. Also differences can happen due to the different information about you among the credit bureaus.

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