@Anonymous wrote:
My Equifax score is 671. My Transunion is 599. This website (My FICO) lists my FICO score at 670. Is it safe to guess that my Experian score is around 670?
Hello and welcome to the forums.
It can be very confusing trying to figure out which "credit scores" are accurate, which are true FICO scores, which are useless, etc. The Equifax website sells both FICO scores and their own "Equifax Credit Score" which is NOT a FICO score and is not used by any lenders. So you have to be very careful what you buy from EQ.
The TU website sells what are called VantageScores and although a few lenders use the VS it is still mostly ignored for making credit decisions.
No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO.
At one time you could also purchase your Transunion score at transunioncs.com but no more. Wal Mart now offers a TU08 score to those who have their store card and the Discover version.
Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/
To add even more to the confusion I add this excellent thread by longtime member llecs:
"Virtually everyone sells scores, but they are not all FICO scores. If you got scores from the big 3, then very likely 2 or all 3 of them are not FICO scores. Experian and TransUnion do not sell FICO scores on their website. We call these non-FICO scores, FAKOs, and can easily be as much as a few points to 100+ points off your real FICO when pulled the same day. If it didn't say "FICO" next to the score, then it isn't.
Other companies (e.g. freecreditreport.com, freescore.com, truecredit, creditkarma, Equifax Credit Complete, Quizzle, and dozens of others out there) sell scores, but they are nothing more than gimmicks and lenders don't use them. They do this because they want to avoid paying any fees to FICO and when they say "credit score" people buy it anyway on the assumption that it is a FICO. The scores are off because the formula is different, factors in different things as compared to FICO, and score ranges are different than FICO's (e.g. FICO is 300-850, Vantage is 501-990, PLUS is 330-830, TransRisk is 350-850, and so on)."
My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)