Credit Card Center Advertiser Disclosure

New Member
Posts: 2
Registered: ‎12-25-2012
0 Kudos

Two different Experian scores?

I was looking into refinancing a car loan as I contunue to rebuild my credit from a Sept 2011 BK. I signed up at TOS and my experian score was 636. I then found this site and my Equifax score is listed as a 659. I thought that seemed high to me but I have had been paying on my car one time for a year and I have one credit card that has never been maxed out and never late. So I applied for a refi loan at lending tree and was turned down by openroad lending. In their decline letter they showed my experian score as a 567! So why the wide variety of scoes and how can I know what scores are legit?

Starting Score: 659
Current Score: 659
Goal Score: 850

Take the myFICO Fitness Challenge
Established Contributor
Posts: 857
Registered: ‎02-11-2012
0 Kudos

Re: Two different Experian scores?

You can not purchase a consumer friendly Fico Experian Score so that score is an internal generated score by Experian. Your TU score from here is based on an older Alogrithm of Fico. Many lenders now use Fico 08. Fico 08 does not factor small unpaid medical bills so scores are highter. All in all there are 49 Fico scoring models and countless proprietary models in use. The bottom line is to follow one major Fico score or one FAKO score and continually bench your advances/improvements against it.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico)XP 735 (FAKO)
Updated scores 05/01/17 EQ 824, TU 812 EXP 810 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.