Reply
8o5
New Member
Posts: 1
Registered: ‎04-04-2007
0

MyFico and Credit Bureau FICO Scores Different

I just did a credit & score check through the three credit bureaus, then did the same for MyFico and noticed differing scores. Any idea why there's a variance of +30 to +50 more from what the bureaus are reporting versus MyFico scores?

Also, I've got 2 credit cards totalling $3,200 and will be paying them down. Any idea on impact to my score?

Thanks in advance.
Highlighted
Regular Contributor
Posts: 169
Registered: ‎03-16-2007
0

Check again the scores with your 3-in-1 report. You'll no...

Check again the scores with your 3-in-1 report. You'll notice they're not labeled as fico scores. Sometimes as Plus+ scores, and other things. In other terms they may be (potentially) useful for you as an idea of your report, but they are absolutely useless as far as lending decisions by creditors.
 
Depends. Your balances are completely irrelevant to your score, just the ratio of the balances to the limits (both combined and for each tradeline).
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.