Valued Member
Posts: 31
Registered: ‎06-15-2012
Credit Bureau Scores vs. FICO Score

When a creditor pulls your credit, do they see the Fico score or do they see the score that the bureau has? I have a 618 Equifax FICO score but on Equifax site I have a 580 score.

I plan to purchase a vehicle soon but want my scores in the 600's before I proceed. Also I had chapter 7 bankruptcy that discharged in June '12.


>Starting Score: EQ 517 TU 514 EX 517 (5/15/2012) Bankruptcy discharge 6/2012
Current Score: EQ 659 TU 633 EX 654
Goal Score: 700

What's in my wallet: Navcheck $15k, NFCU cashrewards $10k, CO Platinum $1.5k CO Rewards $2.5k, Barclay NFL $2k, CO Sparks Biz $2k AU CO $750, Barclay $1k, NFCU $3k
Valued Contributor
Posts: 1,468
Registered: ‎08-30-2012
Re: Credit Bureau Scores vs. FICO Score
The score you see from the CRA's are meant to guide you.

The fico score is what matters.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey