Only trust the scores you get here.
Only trust the scores that specifically say they are FICO scores... you can get your fico scores from equifax also.. but to be 100% sure only buy your products here. any place that says they can get you all 3 scores is probably a sham serving you up a FAKO score since you can no longer purchase EX fico scores.
theres no 1 place you can go that will give you all 3 fico scores.
Starting Score: 575 (As Of Early 2011)
You should go by scores that have the FICO trademark next to them. I think scores play some part into the creditor's decision but ultimately it depends how your credit profile looks and how lenient the creditor can be. There are people with less than perfect reports and were approved for prime cards, so choose where to app wisely! Good luck apping 
@Guava wrote:You should go by scores that have the FICO trademark next to them. I think scores play some part into the creditor's decision but ultimately it depends how your credit profile looks and how lenient the creditor can be. There are people with less than perfect reports and were approved for prime cards, so choose where to app wisely! Good luck apping
But dont a lot of creditors use there own model? It seems that GE does
Right, John, a lot of them run some internal scoring models. What I was trying to say is that lenders/banks are different from each other, AMEX wouldn't likely to approve you with collection account but Citi or Barclays might, and they look further than the digits representing your credit worthiness.
When I said to only trust the scores from here - what I meant was these are really the only scores that can give you a good idea of what the lender will see. All the other sites could have a wide variance from your actual Fico score. The lenders may have their own scoring model - but it shouldn't vary too much from the score you see here.
all scores are worthless unless it is a FICO score (get them from here). Also keep in mind when you app some lenders use their own in house scoring so it may not match your FICO here.
Depends on what you are using a score for. If you are only looking at relative changes over time, then any of them that are looked at consistantly can give you that. If, of course, you are actually applying for credit, then the fico is by far, along with a companies other internals, give you a much better lenders point of view.
I use the plus score, even though i am well aware that no lender does, but the changes over time can be illuminating. I really like my equifax fico though since it is at 811 at the moment
I use the plus score, even though i am well aware that no lender does, but the changes over time can be illuminating. I really like my equifax fico though since it is at 811 at the moment