Difference Between Credit Scores

[credit_challenged09]

I subscribe to the USAA Credit monitoring and my highest score is for Experian the other scores are in the mid to high 500's.  When i check another system, it shows all three scores low to mid 600's.  I'm confused is USAA only trying to promote their Experian product while using old information with the other two credit bureaus?  It doesn't make sense to me.  Anyone have any suggestions?

[InvincibleSummer3]

I have USAA's CMS too, and the scores are not useful. They're not FICOs, so they aren't all that helpful because lenders will see something completely different anyway. What is helpful is being able to see what the actual report contains. When you look at the tradelines, are they all being updated regularly? Mine are.

When you say you are checking using another system - is that one that uses FICO scores? Honestly, I think it's more helpful to focus on what is in your actual report than the score, unless you're planning on apping for something. Getting too focused on scores alone can make one go bugaboo.

[FocusedAndDetermined]

What score range does USAA and the other serivces you use provide.  If the ranges are not the same, i.e 300-850, then this will account for the difference.  It could also depend on which scoring model each is using.  Everyone has multiple, up to about 50, FICO scores, so comparing apples to apples isn't always easy.  

[credit_challenged09]

I checked my report and scores thru equifax.com those show higher than usaa's.

[guiness56]

USAA scores and the ones from EQ are all FAKO scores.  Not sure which either of them use, just not FICOs.

[Shogun]

     I agree.  Both sets of scores are FAKOs and the saying goes,,,  FAKOS are as FAKOS does.....   My opinion on scores is.  Does the lender use them?  If no lender uses the score, then it's useless.  

[HiLine]

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@Shogun wrote:

     I agree.  Both sets of scores are FAKOs and the saying goes,,,  FAKOS are as FAKOS does.....   My opinion on scores is.  Does the lender use them?  If no lender uses the score, then it's useless.  

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Which, sadly, applies to most FICO scores with varying degrees ...

[Shogun]

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@HiLine wrote:

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@Shogun wrote:

     I agree.  Both sets of scores are FAKOs and the saying goes,,,  FAKOS are as FAKOS does.....   My opinion on scores is.  Does the lender use them?  If no lender uses the score, then it's useless.  

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Which, sadly, applies to most FICO scores with varying degrees ...

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Absolutely.  There are different FICO scores and unless you know exactly which one the lender is going to pull and you are able to view that score yourself, it doesn't do a lot of good.

There is a difference though.  Whenever I've gotten a score from a lender, it always has said FICO score, for me it has anyway.  I've never gotten a score from a lender that said they had pulled a Credit Karma, Credit Sesame, USAA, etc. score.

Self edited for content