06-01-2012 08:59 AM
My problem is that last week I picked up equifax scorewatch which had my score at 615 which was on par with the report the mortgage company pulled. Well I call them to unlock my account (I put the wrong password in to many times :/) while I'm on the phone with them they tell me for 2 dollars more I can receive all 3 of my credit scores. I accepted this deal went to see the scores and BAM! All my scores are 40-50 points lower than the mortgage report AND the scorewatch report I had just received from Equifax. I instantly went on freakout mode and decided to take a breath and wait until the beginning of the month to see if maybe the scores change. Well they didnt so I decided to use myFICOs scorewatch. It reports my score at 634 which is well above my target of 620 for the mortgage company. The problem is which score should i believe? Which one are they most likely going to see when they repull my report? Any help on this issue is greatly appreciated, thank you.
06-01-2012 09:01 AM - edited 06-01-2012 09:02 AM
Welcome to the forum and welcome to the world of FAKO scores.
Those other 3 scores they gave you are FAKO scores and can be ignored. You can get your TU FICO score here but you can't buy your EX FICO score here or anywhere else.
06-01-2012 09:04 AM
Is the score I received from myFICO correct or is that a FAKO also?
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.>> About myFICO