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New Member
Posts: 1
Registered: ‎05-01-2007
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Differences in FICO Scores

I have credit watch with both MyFICO and TrueCredit, but my Equifax score on TrueCredit is two points higher than the Equifax score on MyFICO, can someone explain why the dfference in scores although they are with the same credit bureau?
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
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Re: Differences in FICO Scores

Read the FAKO vs FICO in the Credit 101 thread.
http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=11303&jump=true\
Valued Contributor
Posts: 1,424
Registered: ‎07-24-2007
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Re: Differences in FICO Scores

Nobody can explain this, 40. The short answer is they use different scoring models.  The score you get from TC frankly isn't worth the paper you print it on. Use TC to keep track of accounts.  
 
My EQ score from TC is 99 points lower than FICO.
 
Any correlation between TC and MyFICO scores is purely coincidental.  
New York Yankees - 2009 World Series Champions. 27... and counting.....
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
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Re: Differences in FICO Scores


40_n_bebt wrote:
I have credit watch with both MyFICO and TrueCredit, but my Equifax score on TrueCredit is two points higher than the Equifax score on MyFICO, can someone explain why the dfference in scores although they are with the same credit bureau?

Two points is actually about as close as anyone will ever see their FAKO's and FICO's, and that's pretty much coincidence. You're one rare critter! Smiley Happy
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Moderator Emeritus
Posts: 16,385
Registered: ‎03-12-2007
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Re: Differences in FICO Scores



cobra19 wrote:
Nobody can explain this, 40. The short answer is they use different scoring models.  The score you get from TC frankly isn't worth the paper you print it on. Use TC to keep track of accounts.  
 
My EQ score from TC is 99 points lower than FICO.
 
Any correlation between TC and MyFICO scores is purely coincidental.  


Spot on!!
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


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