Credit Card Center Advertiser Disclosure

New Visitor
Posts: 1
Registered: ‎06-05-2012
0 Kudos

Don't waste your money on this site!

The "fico" scores sold on this site are not even remotely close to being accurate.   I've been monitoring my credit repair here for over   a year.   Last week this site told me my TU (which is traditionally my middle score) fico score had jumped up to 671 from 639.  I've been waiting for my score to go over 640 to apply for mortgage pre-approval so based on what this site reported I started the pre approval process only to find out that my TU (still my middle score)fico  is actually only 612, a difference of 59 points.  Accurate?   Not even close.     And now there is an unnecessary credit inquiry on my record to boot..     What a rip off.    I can't remotely recommend that anyone waste their money here.

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: Don't waste your money on this site!

It's posted quite heavily in the 'Understanding FICO Scoring' board and some in 'Mortgage Loans' that there are two versions of TU FICO being predominately used by lenders out there: TU98 and TU04 (as we call them). While TU98 is still used by quite a few lenders, more than likely your lender used the newer TU04 version instead. For most, their TU04 is lower, and for some it is higher. 59 points does seem excessive. I'd definitely compare the two reports and look at the differences. Even small balances or updated baddies can throw the score off.


Unfortunately you cannot buy the TU04 version from anywhere except from your lender at the cost of an inquiry. The newest TU FICO version (TU08) is available from Wal-Mart if you have their CC and for many that's just as unpredictable (lenders don't use it anyway).


The EQ FICO from here is spot on to your lender's. And the EX FICO version that used to be sold on here would have likely matched your lender's as well.


One thing I learned while entering the mortgage process was to never rest at the goal. Get your score 40-50 points higher just in case something changes on your CRs.



Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.