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Established Member
airdefender14
Posts: 37
Registered: ‎06-20-2012

What is my real EQ score?????

So here is the deal. Sequence of events and scores:

 

Purchase Score Watch trial: EQ: 693

Purchase TU score same day: TU 732

 

Curious as to why my EQ score is so much lower than TU I purchase score direct from equifax.com, same day: 701

Couple days later (no updates to credit report). Authorize HP for Discover More CC. Received Score Watch alert of HP and new score: 677

 

Today, letter received from Discover notifying me of card approval and FICO score: 734

 

Does anyone know what my real FICO score is? I am certainly confused.

Capital One Platinum / Chase Slate turned Freedom / Chase Freedom / Chase Military Star / AAFES Military Star / Discover More

(6-23-12) SW EQ FICO: 677
(6-26-12) Disover HP EQ FICO: 734
Goal FICO: 750

Playing in the Garden!!
Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008

Re: What is my real EQ score?????

[ Edited ]

From SW you get the Beacon 5.0 of FICO (EQ)

 

Discover pulls the new Beacon 9.0. (EQ)

 

Both are FICO's, just different versions.

 




Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009

Re: What is my real EQ score?????

[ Edited ]

airdefender14 wrote:

So here is the deal. Sequence of events and scores:

 

Purchase Score Watch trial: EQ: 693 This is a FICO Equifax Beacon 5.0 score and the same version used by most lenders.

Purchase TU score same day: TU 732 If you bought that here it's a FICO TU98 score. It's an older version but still used by lenders.

 

Curious as to why my EQ score is so much lower than TU I purchase score direct from equifax.com, same day: 701 It might be an EQ FICO or it might not be. The EQ website does sell a FICO score found here: https://www.econsumer.equifax.com/otc/landing.ehtml?^start=&companyName=mtbk_esn3r  but EQ also sells their own proprietary "Equifax Credit Score" but this is NOT a FICO score and is not used by any lenders. So be careful what you buy from the EQ website.

Couple days later (no updates to credit report). Authorize HP for Discover More CC. Received Score Watch alert of HP and new score: 677 This would be the same EQ FICO Beacon 5.0 score.

 

As far as your TU and EQ scores being so far apart that's not really unusual. Even if you have the exact information on each report (which is very rare) each CRA looks at and scores that information just a bit differently. My EQ score is much higher than my TU score.

 

Today, letter received from Discover notifying me of card approval and FICO score: 734 We believe this is a credit card enhanced FICO08 ( or Beacon 9.0, the newest version) score.

 

Does anyone know what my real FICO score is? I am certainly confused.

 

Edited for dumb typos.


 

Established Member
airdefender14
Posts: 37
Registered: ‎06-20-2012

Re: What is my real EQ score?????

So here is the deal. Sequence of events and scores:

 

Purchase Score Watch trial: EQ: 693 This is an FICO Equifax Beacon 5.0 score and the same version used by most lenders.

Purchase TU score same day: TU 732 If you bought that here it's a FICO TU98 score. It's an older version but still used by lenders.

 

Curious as to why my EQ score is so much lower than TU I purchase score direct from equifax.com, same day: 701 It might be an EQ FICO or it might not be. The EQ website does sell a FICO score found here: https://www.econsumer.equifax.com/otc/landing.ehtm​l?^start=&companyName=mtbk_esn3r  but EQ also sells their own proprietary "Equifax Credit Score" but this is NOT a FICO score and is not used by any lenders. So be careful what you buy from the EQ website.

Couple days later (no updates to credit report). Authorize HP for Discover More CC. Received Score Watch alert of HP and new score: 677 This would be the same EQ FICO Beacon 5.0 score.

 

As far as your TU and EQ scores being so far apart that's not really unusual. Even if you have the exact information on each report (which is very rare) each CRA looks at ans scores that information just a bit differently. My EQ score is much higher than my TU score.

 

Today, letter received from Discover notifying me of card approval and FICO score: 734 We believe this is a credit card enhanced FICO08 ( or Beacon 9.0, the newest version) score.

 

Does anyone know what my real FICO score is? I am certainly confused.


 

Thanks for explaining all that. Its crazy that scores can differ so much with different versions from the same agency. Especailly when they claim to both be FICO scores.

 

I appreciate your help!

 

 

Capital One Platinum / Chase Slate turned Freedom / Chase Freedom / Chase Military Star / AAFES Military Star / Discover More

(6-23-12) SW EQ FICO: 677
(6-26-12) Disover HP EQ FICO: 734
Goal FICO: 750

Playing in the Garden!!
Valued Contributor
injustifiiable
Posts: 1,843
Registered: ‎03-30-2012

Re: What is my real EQ score?????


CS800 wrote:

From SW you get the Bacon 5.0 of FICO (EQ)

 

Discover pulls the new Beacon 9.0. (EQ)

 

Both are FICO's, just different versions.

 


Mmmmmm...Bacon. You're making me hungry for some. Is Bacon 5.0 new and improved over Bacon 4.9?

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $2750
Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008

Re: What is my real EQ score?????


injustifiiable wrote:

CS800 wrote:

From SW you get the Bacon 5.0 of FICO (EQ)

 

Discover pulls the new Beacon 9.0. (EQ)

 

Both are FICO's, just different versions.

 


Mmmmmm...Bacon. You're making me hungry for some. Is Bacon 5.0 new and improved over Bacon 4.9?


lol good catch. I love bacon




Moderator
Revelate
Posts: 8,310
Registered: ‎12-30-2011

Re: What is my real EQ score?????


CS800 wrote:

injustifiiable wrote:

CS800 wrote:

From SW you get the Bacon 5.0 of FICO (EQ)

 

Discover pulls the new Beacon 9.0. (EQ)

 

Both are FICO's, just different versions.

 


Mmmmmm...Bacon. You're making me hungry for some. Is Bacon 5.0 new and improved over Bacon 4.9?


lol good catch. I love bacon


Bacon! Bacon! Bacon!... er I need a second dinner apparently.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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