Fico Score

[Anonymous]

Hello everyone,

Would anyone be able to explain why my Fico score (654) provided by transunion thur my Barclays rewards card is higher then my transunion score (pulled thru 3 in one producted by equifax) of (620) both where updated today. Shouldn't my Fico always be lower than the credit scores pulled regardless of which product I used to pull the credit scores.

[Anonymous]

The Fico provided by Barclays is Fico 08. Which version is EQ providing?

[Anonymous]

It appears that the scores provided by EQ are not actual Fico scores:

The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files

[Anonymous]

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@Anonymous wrote:

It appears that the scores provided by EQ are not actual Fico scores:

The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files

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It depends.  Equifax provides both their proprietary scores which are FAKOs and they give out the FICO 04 model

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

It appears that the scores provided by EQ are not actual Fico scores:

The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files

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It depends.  Equifax provides both their proprietary scores which are FAKOs and they give out the FICO 04 model

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Do they provide Fico 04 scores for TU or just EQ?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

It appears that the scores provided by EQ are not actual Fico scores:

The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files

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It depends.  Equifax provides both their proprietary scores which are FAKOs and they give out the FICO 04 model

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Do they provide Fico 04 scores for TU or just EQ?

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Just EQ?  The TU 94 score is not available anywhere AFAIK 

[Anonymous]

Thanks CAPTOOL. I think you're dead on with your explaination. I have learn so much on this site but have never posted any questions. Thanks for the rapid responses guys.