Established Contributor
foofighter74
Posts: 825
Registered: ‎12-09-2012
Re: Accuracy of MyFico Scores?

dyneemo wrote:

 I had disputed a lot of items in my credit report and when myFICO came back saying it raised my score by over 47 points I was thrilled. But then I went to Equifax and say they still have me as a 580 though you show me as a 636...

 



The myfico Equifax credit score you can purchase here is the exact same score you will get from mortgage lenders.  I've pulled scores four times each for my wife and myself...so 8 total Equifax scores...and two different lenders pulled credit reports for us twice each.  They always match. It's the same formula.

 

The equifax score you are purchasing is probably a FAKO. 

 

As for the TU98 vs TU04 mentioned earlier in the thread...in my experience, buying those scores also 8 times for my wife and I, our lender pulled score TU04 was at least 15 points higher for us on every occasion.  Most people do see a higher score in 04 than in 98 though obviously that's not always going to be the case for everyone.