My EQ score provided by my EQ subscription has also become equal to the EQ score provided by myFico, but I’ve never been sure that the score provided by EQ is truly a V3 score.
My TU scores provided on CK and TU subscription have always been identical, but the EQ subscription score has always been about 60 points less than the CK EQ score. And EQ has never been the same as the EQ on myFico, until last Oct. The two have been identical since.
Is it possible that EQ has begun providing FICO instead of whatever it was they were using previously?
Equifax provides a credit score based on their own internal model. They also offer a Classic Fico 04 score "mortgage score" called Scorepower. They don't provide VantageScore.
Their model's reported score range is 280 - 850. Example (from 2015) pasted below.
TU FICO (free from Discover) - 707
TU Vantage 3.0 (free from CreditKarma) - 681
Interesting that the FICO score came out higher.
EX gives true FICO scores. TU gives Vantage 3. EQ gives whatever it is that they give, their own score. Not sure why EQ provides a one-off score.
I've signed up to several Fako services: Credit Karma, Credit Sesame, Nerd Wallet, etc. They've all recorded my scores at 657 this month, but today, CK posted a rise to my EQ score to 659. My EX score as provided by my credit union, however, is 707. Not exactly apples to apples, but it's a ballpark comparison.