@Anonymous wrote:I went to creditscore.com and had them run all 3 of my scores and TU score there is a 587! So what gives why such a big difference actually all my scores on there are very low.
I'm in the process of buying a new home and my mid score a month ago was 640 and nothing neg has hit my credit report. Should I be worried or is creditscore.com not a reliable source for a creditscore??
edit": I was worried so I ran my TU score again here on this site and it was still at 678 so maybe creditscore.com scores are worthless lol
Hello and welcome.
You are correct that the scores from creditscore.com are worthless. 
Those scores are called "PLUS" scores and if you'll read the small print they are not used by any lenders.
(With all due credit to long time member llecs for this):
"Virtually everyone sells scores, but they are not all FICO scores. If you got scores from the big 3, then very likely 2 or all 3 of them are not FICO scores. Experian and TransUnion do not sell FICO scores on their website. We call these non-FICO scores, FAKOs, and can easily be as much as a few points to 100+ points off your real FICO when pulled the same day. If it didn't say "FICO" next to the score, then it isn't.
Other companies (e.g. freecreditreport.com, freescore.com, truecredit, creditkarma, Equifax Credit Complete, Quizzle, and dozens of others out there) sell scores, but they are nothing more than gimmicks and lenders don't use them. They do this because they want to avoid paying any fees to FICO and when they say "credit score" people buy it anyway on the assumption that it is a FICO. The scores are off because the formula is different, factors in different things as compared to FICO, and score ranges are different than FICO's (e.g. FICO is 300-850, Vantage is 501-990, PLUS is 330-830, TransRisk is 350-850, and so on)."
No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO.
At one time you could also purchase your Transunion score at transunioncs.com but no more. Wal Mart now offers a TU08 score to those who have their store card and the Discover version.
Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/