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Member
jaicam5
Posts: 5
Registered: ‎06-15-2012

Credit Bureau Scores vs. FICO Score

When a creditor pulls your credit, do they see the Fico score or do they see the score that the bureau has? I have a 618 Equifax FICO score but on Equifax site I have a 580 score.

I plan to purchase a vehicle soon but want my scores in the 600's before I proceed. Also I had chapter 7 bankruptcy that discharged in June '12.


Starting Score: EQ 517 TU 514 EX 517 (5/15/2012)
Current Score: EQ 618 TU 580 EX 608 11/15/12)
Goal Score: 700


What's in my wallet: CO Platinum 1000 CO AU 500 CO Rewards 500 FP 700 Credit Union Secured 500
Established Contributor
madmann26
Posts: 970
Registered: ‎08-30-2012

Re: Credit Bureau Scores vs. FICO Score

The score you see from the CRA's are meant to guide you.

The fico score is what matters.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 649 EQ 658 FICO 5/13/2013
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $500; NFCU Siggy $10000; $500 WalMart SC

Goal Score: 700 across the board.
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