@Scupra wrote:When I applied for my cashRewards from NFCU they pulled EQ and when I received my letter it was the exact same score that was listed on myFICO.com Not sure why yours would be different, YMMV I guess! Happy Easter all!
Exact same here. Happy Easter to you too!
Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
New goal 675
Yes. The myfico scoring here represents the correct: poor, good, excellent ratings. I was only looking at freecreditreport.com for so long and my scores were barely increasing when I felt they should have been increasing more. My scores never got above 700 and after 3 years, I got tired of waiting and started apping and found out my highest fico score at that time was 754!!! I could have apped sooner if I knew the scores lenders were pulling were higher. So the fakos rated me fair but myfico rated me good-to-excellent and that difference led me to garden for an extremely long time. Longest streak was 10/2010 to 7/2012. This is why I hate the fakos...they mislead people!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
Last App: 4/5/13 Gardening until July 2014
But now you know you can't go by 1 FAKO score as a guide, if you look at serveral, they give you a clue you might want to pay for a FICO if you're even thinking of applying. if there are 40 FICOS, it's impossible to get an idea of credit range by checking just 1 FAKO.
So those that don't want to (or really can't) spend the extra $ to check FICO often, can at least get an idea when they might want to pay the money to verify a few FAKO indicators with a FICO. That's why I say, if someone is serious about wanting to apply, look at the FAKOS then buy the FICO to be sure.
