Welcome to myFICO,
This bit is kinda confusing but here we go.
The scores you get from the three CRAs (TU, EQ, EX) are what we call FAKOS, not your FICO scores that most lenders use.
Even with FICO there are many variants of scoring models FICO 2, Beacon 5, TU 98 (myfico) TU 04 (what most lenders use) TU 08 (what you get from walmart), etc....
There are also many other places you can get your credit scores, CS, CK, Credit Inform, credit.com...etc but these are FAKOs, myFICO is one of very few places you can buy your real TU and EQ FICO scores... EX FICOs are not available for purchase since 2009 even though a few CUs will offer a monthly EX FICO..
Hope this helps...
Hello, the explanation's above pretty much sum it up. There are many different scores available to you, some are used by lenders, some not. Some say they are for educational purposes only and may not be the same as those pulled by lenders. As said, we call those FAKOS. The general rule is a FAKO is +/- 200 points of your actual FICO.
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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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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