Member
jaicam5
Posts: 5
Registered: ‎06-15-2012
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)
Current Score: EQ 618 TU 580 EX 608 11/15/12)
Goal Score: 700

What's in my wallet: CO Platinum 1000 CO AU 500 CO Rewards 500 FP 700 Credit Union Secured 500
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Established Contributor
madmann26
Posts: 982
Registered: ‎08-30-2012
Re: Credit Bureau Scores vs. FICO Score

‎11-15-2012 07:04 PM

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 649 EQ 658 FICO 5/13/2013
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $1500; NFCU Siggy $10000; $500 WalMart SC
Goal Score: 700 across the board.
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