Scoring help please!

[Anonymous]

So I've pulled my credit reports from the following sources and here are the results:

Credit Karma:

TU: 677

EQ: 679

Experian Website:

630

Transunion Website:

669

MyFico Website:

EQ: 613 TU: 613 EX: 633

EX: 17 Hard pulls

TU: 9 Hard pulls

EQ: 6 Hard pulls

So based on the hard pulls, I'm guessing most creditors use the Experian report to make there decisions. My question for you all is, why do I have 3 way different scores from different sourcse? I am sorry if this has been answered before but I couldn't find anything. I am new here so I apologize for my naiveness.

Which scores are the MOST accurate and which should I rely on? 

Thank you in advance for your help.

[Anonymous]

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@Anonymous wrote:

So I've pulled my credit reports from the following sources and here are the results:

Credit Karma:

TU: 677

EQ: 679

Experian Website:

630

Transunion Website:

669

MyFico Website:

EQ: 613 TU: 613 EX: 633

EX: 17 Hard pulls

TU: 9 Hard pulls

EQ: 6 Hard pulls

So based on the hard pulls, I'm guessing most creditors use the Experian report to make there decisions. My question for you all is, why do I have 3 way different scores from different sourcse? I am sorry if this has been answered before but I couldn't find anything. I am new here so I apologize for my naiveness.

Which scores are the MOST accurate and which should I rely on? 

Thank you in advance for your help.

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The only true FICO scores you are getting in the above is the score you received from Experian and MyFico.  Every other score is some form of a FAKO.  In the CreditKarma case those are Vantage scores which may some day be used by creditors but currently they don't have much use.  The Tranusnion score is truly a Fako and is useless.  A lot of creditors do use Experian but it varies by creditor.