topic Credit Scores in Understanding FICO® Scoring

Credit Scores

Anonymous — Sat, 06 Feb 2010 12:39:15 GMT

I know that only "myfico" provide the true FICO scores. Since I am very curious, I pulled scores from Truecredit and Experian from Plus Score.for comparison. Amazingly, I have seen a big difference.

True credit -FAKO

TU 671

EQ 578same as lender

EXP 612

Myfico FICO--same as lender

TU 615

EQ 578 same as lender

Experian Score Plus False

TU 601

EQ 562

EX 645

Lender pulled

TU 615

EQ 578

EX 642

Another funny thing, I got a consumer loan in January, which I was PIF in 3 weeks, my score dropped one point, per the FAKO experian score. I am hoping, when they report the consumer loan is PIF along with my "NO CREDIT CHECK" secured credit card at the end of February, my scores will increase, ex[ecially the TU, since I only need 5 pts to close on my VA loan.

Re: Credit Scores

llecs — Sat, 06 Feb 2010 13:52:43 GMT

Some of my old posts are in here, but I've done the same day comparison and have seen my FICO scores as much as 120 points higher and 20+ points lower than my FAKO scores (TransRisk, PLUS, etc.). If I relied on those other scores, I'd go nuts.

Re: Credit Scores

Anonymous — Sat, 06 Feb 2010 17:05:53 GMT

@Anonymous wrote:
I know that only "myfico" provide the true FICO scores. Since I am very curious, I pulled scores from Truecredit and Experian from Plus Score.for comparison. Amazingly, I have seen a big difference.

You can also purchase your Equifax score at www.equifax.com and your Transunion score at www.transunioncs.com. But you can do an internet search for "myfico discount codes" to save a little money here at myfico.

From a BK years ago to:
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802

You can do the same thing with hard work.