fico score

[Anonymous]

I am so confused about this fico score thing. I ran my scores with equifax, trans union, and experian. equafax had a score of 706, experian was 859 and trans union was 896. Why is it when I went to purchase a rv the dealer said my score was 690? I just don't get it. Can anyone help with this understanding?

[fused]

Hi Rufus, Welcome to the forums! Please read the credit scoring 101 link in my sig line.

[haulingthescoreup]

Did you pull all three scores here?

There are many different credit scores floating around, but the only useful ones are FICO's. You can get all three (EQ, TU, and EX) here at the myFICO site. (Be sure to google FICO discount code first.) You can also get your EQ FICO from the Equifax site. You can get your TU FICO from www.transunioncs.com. (Note the cs.) You can get your EX FICO here and only here.

All other scores --those sold by TU and EX from their sites, and those sold by credit monitoring services like TrueCredit, PrivacyMatters, free-credit-report-dot-com, and so forth, are what we call FAKO's. They are created by a different formula than FICO's; they don't track your FICO scores; and they aren't used by lenders.

Save your money and get FICO's.