totally confused about my scores

[dominow]

hi! i'm new to the credit scoring and very confused. i pulled an equifax and it gave me an eq of 727, ex of 722 and tu score of 726. i did tu and all i got was an 810B.  experian says i'm an 746. credit semame says i am a 742 and credit karma says i'm 704.quizzle is:718.  what gives?  i'm with a 3 year, old new mortgage, on a 15 year loan. 5 cards, zero balance on 3. $2950 total  balance on 2 cards with a $5,000 limit each. no late anything. ever

[user5387]

There are lots of different formulas used to compute scores, and because of this, your scores will vary.  They will also vary because of different information on each report, and because scores change as information is updated from day to day.

I'd suggest sticking with a FICO score from a single source.  If you want to go even further, then I'd follow the FICO scoring model used in the mortgage business.

[dominow]

thanks! when i got my mortgage my score was 720. not sure which credit reporting they used. my mortgage is 5%

[pizzadude]

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@dominow wrote:

thanks! when i got my mortgage my score was 720. not sure which credit reporting they used. my mortgage is 5%

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Pretty much all mortgage lenders use the Classic FICO04 score model.   The 720 would have been your middle score, so it could have come from any of the CRAs.

If you look through your documentation you should be able to find your credit disclosure with FICO scores from all three CRAs.