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New Visitor
Posts: 1
Registered: ‎06-11-2013
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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
Posts: 32,869
Registered: ‎08-04-2007
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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.

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† Credit cards for FICO Score ranges: The score ranges are guidelines based on 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.

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