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Hemi1982
Posts: 10
Registered: ‎01-26-2013

Credit score differences....

How come when I check my credit report 3 bureau score on one of the 40000 sites does my credit look good to go for a home loan, but when I have the lender run it, its about 50 points off from what I'm seeing???? now i have inquiries that are just going to drop it even more.

EX 644/EQ642/TU610
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guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Credit score differences....

Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Credit score differences....

To add...

 

You're limited on the places to get your FICO score.

You can only buy your EQ FICO from myFICO, your lender, or from Equifax.com (buyer beware: the scores they push are a FAKO, but your EQ FICO can be purchased through EQ).

You can only buy your TU FICO from myFICO or your lender.

Finally, you can only buy your EX FICO from your lender. As of a few years ago, Experian blocked consumer access to your own EX FICO.

Aside from the above, you can also get your FICO scores for free or at a reduced price. Banks and CUs will offer it as a benefit. M&T Bank, Unitus Community Credit Union, and Digital Credit Union each offer an EQ FICO. You can get your TU FICO from Wal-Mart or Merrick Bank if you have CCs with them. And you can get your EX FICO from PA State Employees Credit Union (PSECU) if you have a checking account with them. There are other CUs out there that will offer a FICO if you ask them as part of a benefit for being a member.

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Credit score differences....


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
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