New Member
gsmarks75
Posts: 2
Registered: ‎03-04-2013
Where does it show your Fico score?

I signed up for Score Watch (working our way towards a mortgage after BK), and it said I would get my Fico score instantly. However, all I have seen is my Equifax score. Help??

Valued Contributor
Gunnar419
Posts: 1,152
Registered: ‎01-23-2013
Re: Where does it show your Fico score?

The score you're seeing is a FICO score that happens to come from the credit reporting agency Equifax.

 

There are several different types of FICO scores. Each agency uses a slightly different model (and for TransUnion, for instance, there are actually three possible different FICO models!).

 

Fortunately, of all the FICO scores you're likely to be able to access, the Equifax "Beacon" score from Score Watch is probably the one that comes closest to the Equifax score a banker might pull.

 

Just realize that if a banker pulls from three credit reporting agencies, you'll see three different score numbers -- all likely to be FICO, but each one tailored slightly differently to fit a particular agency.

 

Confusing? Yes. But everything about credit scoring is confusing.

Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007
Re: Where does it show your Fico score?

gsmarks75 wrote:

I signed up for Score Watch (working our way towards a mortgage after BK), and it said I would get my Fico score instantly. However, all I have seen is my Equifax score. Help??


Welcome! If you purchased SW via myFICO.com, then you'll automatically have your first Equifax report with Equifax FICO score. The only scores offered on myFICO are FICO scores. 

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
Re: Where does it show your Fico score?

I'm pretty sure you only get the EQ score with Score Watch since it monitors your EQ report.  FICO quarterly monitoring monitors TU and their score.