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Why are My Fico scores different?

Valued Member

Why are My Fico scores different?

I'm in the process of trying to rebuild credit. Today I went to Experian.com and pulled my report and with it the TU and EQ. Then I join My Fico and my scores for TU and EX were at least a 50 point difference!! Which ones are true?? What are the lenders seeing?
On experian.com : EX 646 EQ 661 TU 643
My Fico : EX 589 EQ 663 TU 594
Message 1 of 5
4 REPLIES
Established Contributor

Re: Why are My Fico scores different?

Your 'true' scores can be found here at myfico. Automobile dealerships tend to use 'auto-enhanced' scores based on auto loans you've had before. Same with 'types' of scores...for the most part. Most lenders pull ficos for the most part. Any scores found at other websites tend to be FAKOs.  Scores that that are intuitive, but can be off by more than 100 points!



EQ 842, EX 842, TU 842

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Message 2 of 5
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Valued Member

Re: Why are My Fico scores different?

What are FAkO's?
Message 3 of 5
Valued Member

Re: Why are My Fico scores different?

Thank u, but I am new at this so I have one more question...May be remedial but why such a big score difference from EQ and the other 2? All reports state pretty much the same
Message 4 of 5
Established Contributor

Re: Why are My Fico scores different?

You state 'pretty much the same'. Does that mean there are indeed differences? That would be part of it. They each have different scoring models they use as well, I believe. If not; someone will chime in soon, I'm sure. I believe they do, though. For instance; Equifax is harder on me than the others. (Shrug...)



EQ 842, EX 842, TU 842

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Message 5 of 5