Hey there,

I recently purchased a car back in November, and during the transaction, the dealership informed me that my credit score was a solid 813. Fast forward to today, I decided to apply for a new American Express card, and to my surprise, it revealed a FICO score of 716. Now, I'm a bit confused – did my credit really take a nosedive by almost 100 points, or is there a fundamental difference between the two scores?

I regularly keep tabs on my credit using Credit Karma, and it consistently shows a score of 751. I understand that these platforms might not provide pinpoint accuracy. However, the recent gap between the Amex FICO score and what I see on Credit Karma has left me puzzled.

Has anyone else encountered a similar situation or can shed light on is it ok that my fico score lower than credit score? Any insights or information would be greatly appreciated. Thanks in advance!