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dreamer2014
Regular Contributor

equifax

how accurate is equifax? has anyone had any discrepency between equifax.com score and my fico?

 

My usaa shows (fako) 650 as of today but equifax.com shows 574.

 

One thing that did happen was an account with 5 30 days late was deleted so I am not sure if this is causing the discrepency? thanks for any feedback. 

Myfico: 03/26/2015: EQ 652, EX 680, TU 738 Barclays

Barclays $4.7K, NFCU Platinum $15K, AMEX BCE $15k, HD $12k, Sams $3.5k, Walmart MC $3.5K, NFCU LOC 10K, GE local Furn store $3.5k, AMEX ED $10.5K
Message 1 of 7
6 REPLIES 6
gdale6
Moderator Emeritus

Re: equifax


@dreamer2014 wrote:

how accurate is equifax? has anyone had any discrepency between equifax.com score and my fico?

 

My usaa shows (fako) 650 as of today but equifax.com shows 574.

 

One thing that did happen was an account with 5 30 days late was deleted so I am not sure if this is causing the discrepency? thanks for any feedback. 


The EQ.com score is a FAKO it is EQs own proprietary scoring system. All FAKOs must be disregarded only FICOs are scores that lenders use..

Message 2 of 7
dreamer2014
Regular Contributor

Re: equifax

Got it. Thank u...I wasn't sure about eq.com but your response helped.

Myfico: 03/26/2015: EQ 652, EX 680, TU 738 Barclays

Barclays $4.7K, NFCU Platinum $15K, AMEX BCE $15k, HD $12k, Sams $3.5k, Walmart MC $3.5K, NFCU LOC 10K, GE local Furn store $3.5k, AMEX ED $10.5K
Message 3 of 7
lesse
Frequent Contributor

Re: equifax

I just had a mortgage pull And eq was exact
START (FICO): 1/28/2013 EQ: 499 EX: 558 TU: 536
Lender Pull:
UPDATED SCORE 10/2015: EX: 763 TU: 709 EQ: 720


GOAL 800 Across the board
Wallet:Credit One $600; NFCU (secured- Changed to unsecured) $7500; NFCU (Unsecured)$500- increase to $12,500 BOA: $1000 Home Depot/Lowes $800 each Childrens Place $350 Sams Club $800
Garden Time Smiley Happy
Message 4 of 7
Imperfectfuture
Super Contributor

Re: equifax

Actually, I've read about the web that equifax has begun selling the true score, and not the vantage or fako or whatever.  Guess they want to compete with myfico. Smiley LOL

Signature needs updating
Message 5 of 7
Shogun
Moderator Emeritus

Re: equifax


@Imperfectfuture wrote:

Actually, I've read about the web that equifax has begun selling the true score, and not the vantage or fako or whatever.  Guess they want to compete with myfico. Smiley LOL


They have sold their Beacon 5.0 score on their site for quite some time now, you just have to look to find it.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 7
dreamer2014
Regular Contributor

Re: equifax

Thanks for the replies everyone!

Myfico: 03/26/2015: EQ 652, EX 680, TU 738 Barclays

Barclays $4.7K, NFCU Platinum $15K, AMEX BCE $15k, HD $12k, Sams $3.5k, Walmart MC $3.5K, NFCU LOC 10K, GE local Furn store $3.5k, AMEX ED $10.5K
Message 7 of 7
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