Understanding FICO® Scoring

[happyhome40]

Ok, Amex has my eq score at 671 and myfico has me at 697. Which one is right?

Thanks in advanced,

Monica

[pizzadude]

---

happyhome40 wrote:

Ok, Amex has my eq score at 671 and myfico has me at 697. Which one is right?

Thanks in advanced,

Monica

---

They are both probably correct.   First of all are you sure that AMEX didn't give you an Experian ( EX ) score ?

MyFICO sells Transunion ( TU ) and Equifax ( EQ ).

[happyhome40]

Geez, I honestly don't know. I didn't pay attention when I saw the score. I guess I'll have to find that out. I just assume it was Equifax. Monica

[pizzadude]

AMEX almost always pulls EX, so I'm guessing that is probably what they gave you.

[happyhome40]

Yea, I checked, it is ex. Boy do I feel stupid. This stuff gets a little confusing at times. But thanks alot for your replies. Monica

[bettercreditguy1]

out of curiosity, how did AMEX notify you of the score?

[spengbab]

I've found out that companies will use different versions of credit scores too. Discover pulled EQ and it was about 10 points lower than my score here. When I got Chase, they used their own proprietary score.

[FrugalRican]

It all depends on what they use to pull your credit.

I had my EQ at 743 here, Discover pulled it at 739.

AMEX had my EX at 760, so it's all over the place.

[marty56]

---

happyhome40 wrote:
Yea, I checked, it is ex. Boy do I feel stupid. This stuff gets a little confusing at times. But thanks alot for your replies. Monica

---

You,me  and everyone else here.  LOL if we really started to undertsand FICO scores the FICO police would come at night and take us away.

As a classic rock song once said, if your the only other person to know don't tell me.