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Frequent Contributor
Posts: 367
Registered: ‎06-25-2013
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My FICO Transunion, FICO Experian scores different from Transunion and Experian

Okay, so I decided today that I would pull my FICO Experian and My FICO Transunion scores and compare them with the Experian and Transunion scores.

 

 

MyFico Experian-729

 

MyFico Transunion- 689

 

MyFico Equifax- 693 (20 pt increase today, yay)

 

vs

 

Experian- 715

 

Transunion- 677

 

And as I understand, the basic sites are only "educational scores"-FAKO? , and the MyFICO scores are my real FICO scores, or the ones lenders will use. So today I canceled the Experian account and the customer service rep did his best (being his job) to convince me to keep it, saying that scoring models are different (obviously) and that this was such a great account to have, and while that may be, I'd rather pay $20 for my real scores than $15 for educational scores. He even said he'd cut my bill down to $7 a month (probably should have taken the deal). I'm going to cancel Transunion next week. 

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Super Contributor
Posts: 9,663
Registered: ‎01-28-2010
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Re: My FICO Transunion, FICO Experian scores different from Transunion and Experian

[ Edited ]
It's normal for FICO scores to be different ( sometimes substantially ) from the FAKO scores sold by the CRAs.

Take a look at the credit scoring 101 threads in this link:
http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Frequently-Requested-Threads/td-p/19320

I will be moving this post to Understanding FICO scoring.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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Frequent Contributor
Posts: 367
Registered: ‎06-25-2013
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Re: My FICO Transunion, FICO Experian scores different from Transunion and Experian

Thanks.
If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Sallie Mae MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|

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