06-09-2012 08:42 AM
06-09-2012 10:34 AM - edited 06-09-2012 05:49 PM
Hi, I am very confused with my credit scores. I recently purchased equifax advantage from equifax.com to view my 3 credit scores and they were way low than I expected. I have been trying to rebuild my credit since 01/2011 and have been very anxious to improve my scores. My scores on equifax.com were : EQ:572 TU: 560 and EXP:541... I bought my TU and my EQ scores on this site a month ago and they were: TU:619 EQ:607...my Walmart TU last May was 633 ..... I have two new accounts posted last May... Why are my equifax.com scores so much lower? For someone that has been rebuilding, seeing those scores were just so depressing ..... :-(
Hello and welcome.
You have to be very careful what you buy from the EQ website. They sell both FICO and non-FICO (FAKO) scores. All the Equifax "Complete" Plans use the "Equifax Credit Score" which is not a FICO score and is not used by any lenders. So ignore them. They are useless.
You can still buy an EQ FICO score from the EQ website here. That EQ FICO is the same version (Beacon 5.0) sold here.
Edited for a typo.
06-09-2012 12:16 PM
06-09-2012 01:17 PM
... But could FAKO scores be atleast +/- 50 points off the real fico scores?
Absolutely! I recorded one at 225 pts off when compared the same day. Now it's only 60 points off. And that despite having a near-similar score range too.
06-09-2012 01:27 PM