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deltadog
Posts: 1
Registered: ‎06-11-2013
0

Very confused about scores

Per the Equifax website, I have the following numerical scores:

 

(Equifax-804) (TransUnion- 792) (Experian- 804)

 

Per myfico.com

(MyFICO- 716)

 

The 3 agencies state I have great scores. MyFICO says I have a so so score. Where does myFICO get its information in order to create myfico score? Can you register a dispute directly with myfico?

 

Thanks

Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: Very confused about scores

[ Edited ]

Welcome!

 

If all 3 scores are from the same services which came from Equifax.com, know that the scores they offer are not FICO scores. They are a non-FICO called an "Equifax Credit Score". These scores run on a different range than FICO and factor in stuff that FICO does not and vice-versa. No lenders use these scores according to Equifax.com.


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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