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New Member
rainmaker626
Posts: 6
Registered: ‎12-15-2008

Discrepancy in scores

I have a 629 Equifax score with myfico.com and a 591 Equifax score with privacy assist of Bankofamerica.

Why is there a discrepancy in the same Equifax scores with different services

Established Contributor
Chopbrocoli
Posts: 805
Registered: ‎05-11-2007

Re: Discrepancy in scores

Hi there, the score that you have from B of A is known as a "FAKO" score.. in other words, an unreliable score that can be up to around a 100 points difference compared to an actual FICO score that lenders use. I would not rely on credit scores from thirdparty websites except myfico, equifax.com (EQ score only), and transunioncs (TU score only). Hope that helps.
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New Member
rainmaker626
Posts: 6
Registered: ‎12-15-2008

Re: Discrepancy in scores

How are you today. Thank you very much for the reply. I was just on the phone with privacy assist of BankofAmerica and they were telling me something about different services using different softwares.  

Well. That's good to know. Does this site also allow you to view your credit report? Or to just get your fico credit scores. 

Valued Contributor
Scamp
Posts: 2,791
Registered: ‎03-18-2007

Re: Discrepancy in scores


rainmaker626 wrote:

How are you today. Thank you very much for the reply. I was just on the phone with privacy assist of BankofAmerica and they were telling me something about different services using different softwares.  

Well. That's good to know. Does this site also allow you to view your credit report? Or to just get your fico credit scores. 


 

Your report comes with the score when you buy it, so if you go to 'My Products' and click on the score you bought, you should then be able to click through to the items that make up your credit report. :smileyhappy:
_____________________________________________________________________________
It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

Backdoor Numbers, Credit Scoring 101, Understanding Your FICO Score PDF
New Member
rainmaker626
Posts: 6
Registered: ‎12-15-2008

Re: Discrepancy in scores

Quote

""I would not rely on credit scores from thirdparty websites except myfico, equifax.com (EQ score only), and transunioncs (TU score only). Hope that helps.""

 

 

Oh yeah, I forgot to ask. What about Experian? Can I go to their websites and get my credit score as well? Or is just myfico, equifax.com and transunion.com   (by the way, the acronyms EQ, TU stands for equifax and transunion right?)

 

 

New Member
rainmaker626
Posts: 6
Registered: ‎12-15-2008

Re: Discrepancy in scores

SCamp quote

""Your report comes with the score when you buy it, so if you go to 'My Products' and click on the score you bought, you should then be able to click through to the items that make up your credit report.""

 

 

I am using the Free 30 day version of the myfico services...  Can I still see my credit report details?

 

 

Valued Contributor
Scamp
Posts: 2,791
Registered: ‎03-18-2007

Re: Discrepancy in scores


rainmaker626 wrote:

Quote

""I would not rely on credit scores from thirdparty websites except myfico, equifax.com (EQ score only), and transunioncs (TU score only). Hope that helps.""

 

 

Oh yeah, I forgot to ask. What about Experian? Can I go to their websites and get my credit score as well? Or is just myfico, equifax.com and transunion.com   (by the way, the acronyms EQ, TU stands for equifax and transunion right?)

 

 


Nope, on EX(perian) - they only sell their Plus Score, or whatever it's called, on their site.  I think you can only get your EX FICO here.

 

On TU (TransUnion), make sure you go to transunioncs.com - that ending 'cs' is critical.

 

EQ(uifax)'s score from their site is a FICO.

_____________________________________________________________________________
It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

Backdoor Numbers, Credit Scoring 101, Understanding Your FICO Score PDF
Valued Contributor
Scamp
Posts: 2,791
Registered: ‎03-18-2007

Re: Discrepancy in scores


rainmaker626 wrote:

SCamp quote

""Your report comes with the score when you buy it, so if you go to 'My Products' and click on the score you bought, you should then be able to click through to the items that make up your credit report.""

 

 

I am using the Free 30 day version of the myfico services...  Can I still see my credit report details?

 

 


So far as I know, yes - if you purchased a score, you should have an accompanying report.  But I did goof - it's called 'My Purchases'.  Click on your score on that page; that should take you to it.

_____________________________________________________________________________
It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

Backdoor Numbers, Credit Scoring 101, Understanding Your FICO Score PDF
New Member
rainmaker626
Posts: 6
Registered: ‎12-15-2008

Re: Discrepancy in scores

Thank you very much for the info. Scamp. I am in the process of trying to rebuild my credit.

 

And the sig is good inspiration as well....    Tough times dont last..  I sure hope they dont and I make things right again. 


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