Moderator Emeritus
Posts: 32,881
Registered: ‎08-04-2007
Re: Key factors affecting credit score

I asked because the reasons you quotes don't appear to be FICO-related. does offer FICO scores, but the links to those services are largely hidden and the scores they push on Equifax aren't FICo scores at all; they are FAKOs called an "Equifax Credit Score". If it doesn't say "FICO" next to your score then it isn't. However, for many on here, their FICO is much higher than their "Equifax Credit Score" when compared the same day.