So many FICO scores..im lost.

goosedog · ‎06-10-2013

So this is what My scores look like

Walmart FICO says its 651 out of 850 (as of 6-10)

Merrick Bank FICO says is 627out of 900 (As of 5-31)-Bankcard08 score

Transunion Credit Monitoring score says 718 out of 990 (As of 6-10)

Credit Karma score says 579 ouf ot 850 (as of 6-9)

So all 4 of those are pulling reports from Transunion or powered by Transunion...yet my scores range from low of 579 to 718. Which one is more accurate???

enharu · ‎06-10-2013

don't worry so much about the scores. they're just using different formulas.

worry more about what's inside your CR.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

09Lexie · ‎06-10-2013

Walmart and Merrick are using different models TransUnion and CK are FAKOs.

enharu is correct too- cr is what's most important

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads

Themanwhocan · ‎06-10-2013

Every company thinks they can create a new magic formula that will calculate your Fico score. Which automaticaly means, none of them are correct (with the obvious exception that even a broken clock tells the correct time twice a day)...

But, if you must know which of those scores to use, just remember this: To use magic, all you have to do is Believe in magic!

TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800

justforting · ‎06-10-2013

@goosedog wrote:
So this is what My scores look like

Walmart FICO says its 651 out of 850 (as of 6-10)
Merrick Bank FICO says is 627out of 900 (As of 5-31)-Bankcard08 score
Transunion Credit Monitoring score says 718 out of 990 (As of 6-10)
Credit Karma score says 579 ouf ot 850 (as of 6-9)

So all 4 of those are pulling reports from Transunion or powered by Transunion...yet my scores range from low of 579 to 718. Which one is more accurate???

I think FICO's should be all out of 850?

Last App: 09/17/2013 // No App Until: Mortgage (05/14?)

Cards in my wallet: AMEX BCE ($8000) // CITI AA VISA SIG ($5000) // CHASE FREEDOM ($3500) // DISCOVER IT ($1000) // CAP ONE NC ($1000) // WALMART DISCOVER ($1600)
Credit Scores: FICO TU08 (10/13): 739 // Credit Karma (10/13): 677??!! // Credit Sesame (10/13): 730
Next Goal: CSP (after mortgage probably...)

llecs · ‎06-11-2013

@justforting wrote:
@goosedog wrote:
So this is what My scores look like

Walmart FICO says its 651 out of 850 (as of 6-10)
Merrick Bank FICO says is 627out of 900 (As of 5-31)-Bankcard08 score
Transunion Credit Monitoring score says 718 out of 990 (As of 6-10)
Credit Karma score says 579 ouf ot 850 (as of 6-9)

So all 4 of those are pulling reports from Transunion or powered by Transunion...yet my scores range from low of 579 to 718. Which one is more accurate???
I think FICO's should be all out of 850?

850ish.