Are MyFico scores higher or lower than those provided by bureaus?

[DrDG]

I am getting some seriously conflicting information from MyFico. I have to wait 5 more days before pulling actaual scores from the bureaus, but when I call, I am told something totally different. Can anyone please answer this for me? And if so, typically, how far off is the MyFico score?

[fused]

My FICO 08 scores are about 20-25 points higher than my FAKO scores.

The difference between FAKO scores (non-FICO scores) and FICO score might be big, small, or not much difference at all. Some people have higher FAKO's, while others have higher FICO's. It's not a situation where one shoes fit all. FICO scores are the scores you should concern yourself with, tho. The others are just "educational" and very few lenders use them.

[Barneygirl]

---

@fused wrote:

My FICO 08 scores are about 20-25 points higher than my FAKO scores.

The difference between FAKO scores (non-FICO scores) and FICO score might be big, small, or not much difference at all. Some people have higher FAKO's, while others have higher FICO's. It's not a situation where one shoes fit all. FICO scores are the scores you should concern yourself with, tho. The others are just "educational" and very few lenders use them.

---

Don't think there's an easy answer to this one.  WISH there was   My FICO 08 scores are MUCH LOWER than ANY FAKO score!!!!   ex., my TU Fako score is 805, and my FICO 08 score is 661!!    My EX and my EQ fako scores are also 20-30 points higher.   Creditkarma is about 20 points higher than my FICO 08 score, but again, over 100 points lower than my TU fako (direct from TU)

Then, to confuse things even more... my FICO 04 (mortgage scores) are higher than my FICO 08 scores by at least 30+ points... except for EQ, which is actually 20 points lower!  No rhyme or reason for any of it these days

[Anonymous]

---

@Barneygirl wrote:

---

@fused wrote:

My FICO 08 scores are about 20-25 points higher than my FAKO scores.

The difference between FAKO scores (non-FICO scores) and FICO score might be big, small, or not much difference at all. Some people have higher FAKO's, while others have higher FICO's. It's not a situation where one shoes fit all. FICO scores are the scores you should concern yourself with, tho. The others are just "educational" and very few lenders use them.

---

Don't think there's an easy answer to this one.  WISH there was   My FICO 08 scores are MUCH LOWER than ANY FAKO score!!!!   ex., my TU Fako score is 805, and my FICO 08 score is 661!!    My EX and my EQ fako scores are also 20-30 points higher.   Creditkarma is about 20 points higher than my FICO 08 score, but again, over 100 points lower than my TU fako (direct from TU)

Then, to confuse things even more... my FICO 04 (mortgage scores) are higher than my FICO 08 scores by at least 30+ points... except for EQ, which is actually 20 points lower!  No rhyme or reason for any of it these days

---

I totally agree! my FAKO scores were closer to my mortgage lender scores.