Understanding FICO® Scoring

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GPMDRL
Posts: 26
Registered: ‎04-20-2012

Difference in Equifax Score of 60pts?

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‎09-12-2012 09:40 AM

Hi all. Myfico.com  shows my equifax score as 777. I just got a new credit card and they say my Equifax is 717?  Both scores were pulled same day. I also pulled from

Freecreditreport and got all 3 scores and it to has me around 720 (I forget exactly what).  Why the difference and such a big one?  The other 2 scores are around 735 so 777 sounded high when I saw it but 717 is a big difference. Any thoughts? 

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llecs
Posts: 31,424
Registered: ‎08-04-2007

Re: Difference in Equifax Score of 60pts?

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‎09-12-2012 09:51 AM

Assuming you pulled your EQ FICO and applied for the CC who pulled EQ on the same day then it would be likely that the CC pulled a CC-enhanced FICO.

 

FCR.com doesn't offer FICOs. They offer a FAKO.

 

 

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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.

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