Curious and Obsessed

[gtnitright]

Which CA is close to what the CC companies use. I see a difference between three agencies I use. CreditKeeper my scores are.EQ: 594, TU: 627, EX:646. CreditKarma has my TU:600. MyFico. EQ:612. I am a little obsessed with the rebuilding of credit and want to make sure I am staying on track.

[guiness56]

In which way are you talking about?

All but myFICO are what is called FAKO scores and hardly any lenders use those.  99% of lenders use FICO scores.  The EQ you get from this site is the same as the ones most mortgage lenders use.  The TU from here is an older score model (TU98) and some still use it but most use TU04 or TU08.  You can only get TU04 and TU08 through a lender/creditor.  EX does not sell their score to the consumer.  myFICO will be selling it again in the future but don't know what model it will be.

There are also 47 different models or versions of FICO, most, we, as consumers, do not have access to.  There are bankcard enhanced, auto enhanced, etc.

[Shogun]

You are asking if one of the CMS provide a score close to what your lender will pull.  The answer, all of them, and none of them.  The algorithms used by each CMS is different.  The score can be identical, or over 100 points off.