New Member
Posts: 2
Registered: ‎08-16-2009

Which FICO score matters the most

In a attempt to learn more about my credit.  Can someone please tell me which FICO score matters the most Transunion or Equifax?  Thanks
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007

Re: Which FICO score matters the most

Hi, welcome to the forums!

They all three matter --Equifax (EQ), TransUnion (TU), and Experian (EX). Consumers are no longer allowed to buy their Experian FICO scores, as of February 13, 2009.

As to which is more important, it really depends on which reports are pulled by your creditors. Some of it is determined by where you live, and some by lender preference.

If you haven't already, please read Understanding Your FICO ® Score and Credit Scoring 101 (at least the first post.)

These will give you the background knowledge you need to understand what you read here on the forums.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Super Contributor
Posts: 5,696
Registered: ‎10-06-2007

Re: Which FICO score matters the most

I would also add the since all 3 reports could have different, sometimes import differences, you must check all 3 reports at least once a year.



11/28/2014 FICO: EQ: 796 EX:788 TU:803
Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007

Re: Which FICO score matters the most

I would guess that Equifax is probably closer to what you will look like when 08 is avaliable. Just a WAG though.
Posts: 169
Registered: ‎02-09-2009

Re: Which FICO score matters the most

Theoretically they are all important, but in my real life experience the one that is the lowest is the most important.  Since we can no longer get the Experian score, the lowest between your TU and EQ could be your mid score which would be the one mortgage lenders use and you never know which one different auto and CC lenders will use.  I always assume that my EX is the lowest and work to make sure my TU and EQ are as close as possible.  If my TU and EQ are within 10-20 pts of each other and the info on my CR's from these two CRA's have similar info to my EX CR then I have a better estimation of where my EX score should be.
Posts: 107
Registered: ‎09-18-2009

Re: Which FICO score matters the most

After having been declined repeatedly the past two years for everything from department store cards, auto financing, visa, mastercard and even secured cards... I have to say that although they all matter.... But Experian matters the most.


It depends on the creditor. Some pull all three, some pull two and a few might even only pull one.. But in my experience, they ALL primarily pull from Experian. (Go figure that EX has my lowest score.) 


My hard inquiry distribution for the last 12 months is as follows:

EX: 14

EQ: 7

TU: 4


My advice: Work on all 3 CBs but focus on EX. 








EQ: 646 FICO

TU: 597 FICO


Super Contributor
Posts: 8,161
Registered: ‎03-25-2007

Re: Which FICO score matters the most

Mine pulls in the last 23 months have been:


EX 1 Amex


EQ 3 CU twice and Auto Loan (Toyota)


TU 1 Lowes (GEMB)



The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008

Re: Which FICO score matters the most

for me personally, EQ has mattered the most.  it has been pulled 3x more than any other report.
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.

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.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+