Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
Re: Confused....

Each of the three CRAs contracted with FICO to create a FICO score for each. Therefore you have 3 different FICO scores (well, more if you compare the various models and model years floating around out there). 

 

The word "FICO" is just like Xerox was to copying or Band-aid was to all bandages out there. It's ubiquitous and consumers tend to assume that all "credit scores" are FICO scores. Companies capitalize on that and sell credit scores hoping that consumers would think they're FICO scores. Dozens and dozens of companies like freecreditreport.com, experian.com, creditkarma, transunion.com, truecredit.com, and a hundred others sell scores but they aren't FICO scores.

 

You're limited on the places to get your FICO score.

You can only buy your EQ FICO from myFICO, your lender, or from Equifax.com (buyer beware: the scores they push are a FAKO, but your EQ FICO can be purchased through EQ).

You can only buy your TU FICO from myFICO or your lender.

Finally, you can only buy your EX FICO from your lender. As of a few years ago, Experian blocked consumer access to your own EX FICO.

Aside from the above, you can also get your FICO scores for free or at a reduced price. Banks and CUs will offer it as a benefit. M&T Bank, Unitus Community Credit Union, and Digital Credit Union each offer an EQ FICO. You can get your TU FICO from Wal-Mart or Merrick Bank if you have CCs with them. And you can get your EX FICO from PA State Employees Credit Union (PSECU) if you have a checking account with them. There are other CUs out there that will offer a FICO if you ask them as part of a benefit for being a member.