What the difference

[Anonymous]

I've been going by the MY Fico score assuming this was the sore on my credit report and most accurate , I went to freeannual report.com and had all three reports pulled Wow what a big difference, nothing spectacular

My Fico shows 468

Transunion 535

experian 506

equifax 570

why the difference and who do I go by?

Thanks

[Anonymous]

The scores from freecreditreport are credit scores, they just aren't used by any lenders. The score you pulled from this site is reflective of what a creditor would evaluate.

[Anonymous]

So I really have some work ahead of me.

[Junejer]

Yes, but the good thing is you are not alone. You have a bunch of helpful people here to help you through the problems.