New Member
Posts: 2
Registered: ‎03-04-2013

MyFico score seem high?

Has anyone noticed that their Fico score is higher than what anyone else says your credit score is?? I wish it wasn't so confusing. Thought I would sign up here to see what my "real" score is, but when applying for a new an auto loan, I got so many different scores, and all were lower by 10-40 points than what my score is here.

Community Leader
Valued Contributor
Posts: 1,057
Registered: ‎09-29-2009

Re: MyFico score seem high?

Welcome to the forums. The credit scoring game is complicated at first. If you do some reading around here you will soon see plenty of information regarding FICO scores and FAKO scores. The credit bureaus and third party monitoring sites all provide "educational scores" which may be higher or lower. This site allows you to buy a FICO score from Transunion and Equifax credit bureaus. The Experian score is not available to consumers except in limited circumstances.


And then further reading will educate you on the "Industry Specific" FICO scores such as automotive and credit cards which are also not available to consumers. It's a lot to absorb but just reading and posting questions as you figure them out and you will be as educated (or confused) as the rest of us.:smileyindifferent::smileylol:

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL

Take the FICO Fitness Challenge

Valued Member
Posts: 117
Registered: ‎03-05-2013

Re: MyFico score seem high?

Different bureaus, different scores.  Plus many sites have their own scoring models, affectionately referred to as "FAKOs".

Top 3: Amex BCP 25k - Chase Sapphire 17.5k - PSECU 20K

Starting Score: 714
Current Score: 759
Goal Score: 800

Take the myFICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+