FICO Scores

[Anonymous]

What is the difference among the 3 CRAs credit score monitoring products?


The 3-in-1 monitoring product for each shows different scores for the same CRA. For example, my EQ score at EQ is higher than my EQ score in my TU 3-in-1 score monitoring. Similarly my EX score at EX is higher than my EX score in my TU report.


Is ScoreWatch offered by EQ a real FICO? What about EX and TU?





Thanks in advance.

[Anonymous]

It is a real FICO. And if you purchase your reports here for TU and EX, those are real FICO scores too.

[Anonymous]

Thanks. I just want the real deal, true FICO scores, since that's what lenders look at.

I don't like the other scoring products because they are misleading. They are showing discrepancies of over 20 points.

[haulingthescoreup]

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@Anonymous wrote:
Thanks. I just want the real deal, true FICO scores, since that's what lenders look at.

I don't like the other scoring products because they are misleading. They are showing discrepancies of over 20 points.

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And this is very true, but it can be very useful to be able to keep an eye on your credit reports as often as daily. It's especially handy to see the date that an account updates, and know whether it's worthwhile pulling the FICO's to check for score changes. (This is why I use TrueCredit.)