Reply
New Member
Posts: 2
Registered: ‎03-04-2013
0

Where does it show your Fico score?

I signed up for Score Watch (working our way towards a mortgage after BK), and it said I would get my Fico score instantly. However, all I have seen is my Equifax score. Help??

Valued Contributor
Posts: 1,700
Registered: ‎01-23-2013
0

Re: Where does it show your Fico score?

The score you're seeing is a FICO score that happens to come from the credit reporting agency Equifax.

 

There are several different types of FICO scores. Each agency uses a slightly different model (and for TransUnion, for instance, there are actually three possible different FICO models!).

 

Fortunately, of all the FICO scores you're likely to be able to access, the Equifax "Beacon" score from Score Watch is probably the one that comes closest to the Equifax score a banker might pull.

 

Just realize that if a banker pulls from three credit reporting agencies, you'll see three different score numbers -- all likely to be FICO, but each one tailored slightly differently to fit a particular agency.

 

Confusing? Yes. But everything about credit scoring is confusing.

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Where does it show your Fico score?


gsmarks75 wrote:

I signed up for Score Watch (working our way towards a mortgage after BK), and it said I would get my Fico score instantly. However, all I have seen is my Equifax score. Help??


Welcome! If you purchased SW via myFICO.com, then you'll automatically have your first Equifax report with Equifax FICO score. The only scores offered on myFICO are FICO scores. 

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Where does it show your Fico score?

I'm pretty sure you only get the EQ score with Score Watch since it monitors your EQ report.  FICO quarterly monitoring monitors TU and their score.

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 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.

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

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