Confused about FICO Scores

[CGame]

Hi...got another question... I ended up ordering that TrueCredit monitoring service on transunion's site for all 3 scores. Why are they so off from my FICO scores?? True Credit: TU-587/EX-550/EQ-660 FICO: TU-597/EX-641/EQ-651 That's a drastic difference!!! Anyone have any insight on which are the most accurate? That EX score a 91 point difference between the 2. Who's legit and who's not? I find this kind of odd. Also, I see where Hooters card is BK friendly. I already have 6 inquiries on TU which is who they will pull. Is it wise to apply, or wait til I "push" some of those inquiries off? I need another card, however, I don't need another inquiry...lol. EX & EQ have no inquiries on them except 1. What do you all suggest?

[Tuscani]

---

CGame wrote:
Hi...got another question... I ended up ordering that TrueCredit monitoring service on transunion's site for all 3 scores. Why are they so off from my FICO scores?? True Credit: TU-587/EX-550/EQ-660 FICO: TU-597/EX-641/EQ-651 That's a drastic difference!!! Anyone have any insight on which are the most accurate? That EX score a 91 point difference between the 2. Who's legit and who's not? I find this kind of odd. Also, I see where Hooters card is BK friendly. I already have 6 inquiries on TU which is who they will pull. Is it wise to apply, or wait til I "push" some of those inquiries off? I need another card, however, I don't need another inquiry...lol. EX & EQ have no inquiries on them except 1. What do you all suggest?

---

Welcome! Your true scores are the ones from myfico.com (the ones lenders see). The scores from TC are FAKOs and should be ignored.

[CGame]

HAHAHA...FAKO! Thank you for that fast reply. I was really puzzled about that. So, as far as applying for the Hooters card, should I go for it? I looked on creditboards.com & on here where they recommend them if you have a BK on your CR. But with me having 6 TU inquiries, is that wise? All 6 were from 2006. OUCH! I wish they pulled from the other 2 b/c I don't have but 1 on there. What you guys think?

[Tuscani]

I would probably pass until you are low to mid 600s. But six inquires is not too bad. So go for it if you feeling lucky.

[CGame]

I agree Tuscani, I think I better let that TU score rise up some. Thanks for the response!