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Posts: 1
Registered: ‎04-11-2013

My FICO score verse Equifax credit score

Hello All,

My FICO score from myfico dot com was 25 points lower (listed as from equifax), when compared to my "equifax credit score" (pulled at same time), have other seen this level of divergence, or is something wrong?  What score will a mortgage lender see?


Posts: 22,406
Registered: ‎01-17-2008

Re: My FICO score verse Equifax credit score

[ Edited ]

Your score from here is a real FICO score and the same one used by almost all lenders.  It is a Beacon 5.0.  There is a newer version out, Beacon 9.0 but most do not use it.


The score you got at equifax is not a real FICO.  It is a FAKO and is their own score.


There is hardly ever similarities between the 2.  Two totally different algorithms are used.

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.

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