Credit Scores FICO vs FAKO

[randaljon]

Are the scores that Equifax, TransUnion, Experian provide on their home sites FICO scores?

I recently purchased all 3 scores by a company associated with one of the CRAs and all 3 of those scores were on average 40 to 50 points higher than my scores on MYFico for TU and EQ...

Which are more accurate?

Which scores do the Creditors and Banks see?

Is there no law to show consumers the same info that these Creditors see?

[MarineVietVet]

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@randallcred wrote:

Are the scores that Equifax, TransUnion, Experian provide on their home sites FICO scores? No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO. I suggest you do an internet search for "myfico discount codes" to save a little money.

You can also purchase your Transunion score at www.transunioncs.com. At www.equifax.com EQ will still sell you an EQ FICO score but you have to look very hard to find it. So the only site that offers FICO's is EQ.

I recently purchased all 3 scores by a company associated with one of the CRAs and all 3 of those scores were on average 40 to 50 points higher than my scores on MYFico for TU and EQ...None of those are FICO scores. Those could just have easily been 40-50 points lower than your FICO scores. There is no rhyme or reason to FAKO's..

Which are more accurate? Since the majority of lenders use FICO scores they are the most accurate and reliable. You simply cannot compare FAKO scores to FICO scores.

Which scores do the Creditors and Banks see? Creditors pull all three FICO scores.

Is there no law to show consumers the same info that these Creditors see? I wish there was something to force companies to reveal that the FAKO scores will not likely be used by lenders but there isn't so education is all we have right now.

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From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[randaljon]

Thanks for the response!