Credit Bureau Scores vs. FICO Score
11-15-2012 03:01 PM
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
Re: Credit Bureau Scores vs. FICO Score
11-15-2012 07:04 PM
The fico score is what matters.
Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 683|EQ 677|EXP 685 (FICO)
What's in my wallet? Cap1 PLAT AU $1250; Cap1 Cash AU $2000; NFCU Siggy $22000; $2250 WalMart SC; Chase Freedom $500; CFNA Firestone $1000; Amazon $1200; NFCU Cash Rewards $5000; AMEX BCE $2k
Goal Score: 700 across the board.
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