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Confused about these scores

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Anonymous
Not applicable

Confused about these scores

I have had a long period of bad pay history and over the past few years have corrected it.  I have erased all of my debt other than mortgage and one car loan.  I have a few credit cards with zero balances.  I have accounts with myfico and with transunion.  My 3 score average on transunion.com is 720 with my equifax score being 716.  My equifax score on this site is 613.  Reports seem to be the same.  Is there a reasonable explanation how this could happen?

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2 REPLIES 2
creditnocash
Valued Contributor

Re: Confused about these scores

the scores on tu are fakos when the scores here are FICOs. they are a different scale. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 2 of 3
dodgerslv
Valued Contributor

Re: Confused about these scores


@Anonymous wrote:

I have had a long period of bad pay history and over the past few years have corrected it.  I have erased all of my debt other than mortgage and one car loan.  I have a few credit cards with zero balances.  I have accounts with myfico and with transunion.  My 3 score average on transunion.com is 720 with my equifax score being 716.  My equifax score on this site is 613.  Reports seem to be the same.  Is there a reasonable explanation how this could happen?


The scores on transunion.com are based on a vantage scale which is 500-990. MyFico's scale is actually a true FICO score (scale 300-850).

gardening since 5/21/2016
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