Credit Card Center Advertiser Disclosure†
04-01-2009 09:33 AM
04-01-2009 09:59 AM
The Equifax score came from BestCreditReports.com (truecredit). And the scores were pulled about 5 days apart, maybe 3 days. My TransUnion score was lower than my TransUnion FICO score, and I have no idea about my FICO Experian. My Experian score never changes. grrr @ Experian
Ignore those scores. They are not FICO scores, but rather a score we call FAKO. They have no relationship at all to the real deal. These other scores can go up and FICOs down for the same event and vice-versa. My TC scores have been as much as 120 points lower and as much as 40 points higher when pulled on the same day at the same time. In fact, I pulled my TU TC score today and noticed a 27 point increase. Got all excited and my TU FICO was the same as it was when I last pulled it.
04-01-2009 10:00 AM
06-27-2009 05:46 PM
I received a letter from one of my credit card companies that due to a report from equifax they were closing my account. I had just paid off the balance, and was somewhat surprised. I went to freecreditreport.com and got my 3 free credit reports/scores, and my equifax score was 729. When I called the credit card company they told
me that equifax reported my score as 656. All the info on the reports is the same, so what is up? When I called
equifax they told me they can't be responsible for what other credit reporting companies have on their websites.
I'm pretty disgusted. 656 from 729 is a big difference. TU and EX are within 20 points of equifax's. Love some feedback on this.
06-27-2009 06:12 PM
09-22-2009 09:08 AM
My Equifax score was also much higher when the lender pulled my report, on Myfico.com it says 579 but the lender pulled it and she said it was 602. I couldnt believ it everyone said it would go down not up. Also on myfico.com TU reports my score as 597 but when she pulled it said 640 ish can't remember. Amazing !!!! She said well the the scoring is a hit and miss with cosumers. Some are coming in lower while others are coming in higher. She said that the new scoring is benifting people that are working on there credit more or less. So if you have high scores she is noticing that there scores are going down. But people with lower scoring are coming in higher for some strange reason. For the most part any way. So go figure !! Im happy to see the change we have been working on are credit for the past year and when I saw my scores on myfico.com I was sad to them still under 600.
Myfico.com Eq: 579
Lender pulled Eq: 602
09-22-2009 01:47 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.