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New Visitor
Posts: 1
Registered: ‎08-27-2007
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Different Scoring Agencies

Why is it that I can go to freecreditreport.com and my scores are different than the scores from fico?  My experian score is a 739 at fcr.com but with fico it is 692.  Also when my scores are pulled from different creditors, who do they request this report from.  Does not make a whole lot of sense to me.
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
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Re: Different Scoring Agencies

The credit scoring 101 thread should answer this!
 
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: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
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Re: Different Scoring Agencies

FAKO's
New Contributor
Posts: 56
Registered: ‎07-05-2007
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Re: Different Scoring Agencies

See the thread I posted at:
 
 
FreeCreditReport.com is the biggest FAKO out there.  If you want to use them as a starting point (i.e. a cheap way to pull your scores and monitor changes) that's okay.  But for the truth about your FICO scores you'll best find that here at www.myfico.com .
 
Keep your chin up and fight the good fight....
 
FICOnater2007
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