New Member
Posts: 1
Registered: ‎04-04-2007

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.
Regular Contributor
Posts: 169
Registered: ‎03-16-2007

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).

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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