I am looking at it on this web site and it says Equifax FICO 762. My credit history is 11years and i have two accounts with late payments. One in 2005 and 2 late payments in 2006. That is the extent of it. Chase gave me my equifax score they pulled on May 18th 2012 and it was 684. Since 2006 I have purchased and paid off a car ( last payment 2010) and I have one store card and two credit cards on which I owe $900. Just confused by it. My husbands is 798 but we need both incomes to qualify for a descent loan and they use the lowest score.