Re: FICO Score Breakdown (i.e., "Credit Mix")
12-13-2012 03:56 AM
GregB -- I think you're right. Mine is called an Equifax Credit Score. However, it is somewhat consistent (+/- 2 points) with TransUnions and Experian's credit scores.
It's my understanding that lenders "look" at the 3 major credit bureaus. While MyFICO.com is a great site, I'm not sure if lenders would consider it a superceding site (in respect to the 3 credit bureaus). Am I right or wrong w/ this viewpoint? (latter is a serious questions... I'm not being facetious).
In the end, whether it's called "FICO score", "Beacon score", "Equifax Score" or else -- I'd like to make sure that I watch/monitor the score that's most authoritative. Besides, even if my Equifax score is not a true FICO score, I couldn't image there would be a huge difference as far as points is concerned.