topic Re: Equifax vs Fico in Understanding FICO® Scoring

Equifax vs Fico

Anonymous — Fri, 07 Nov 2014 02:22:24 GMT

New to posting. I checked my Equifax and Fico scores. My fico score was 60 pts higher. I am confused as to which score would be accurate. Please help??!?!

Re: Equifax vs Fico

montana586 — Fri, 07 Nov 2014 23:55:28 GMT

Your Fico score is the one lenders use not the Equifax score they offer that's more for educational purposes

Re: Equifax vs Fico

Anonymous — Sat, 08 Nov 2014 02:09:27 GMT

@Anonymous wrote:
New to posting. I checked my Equifax and Fico scores. My fico score was 60 pts higher. I am confused as to which score would be accurate. Please help??!?!

Hello and welcome to myFICO.

May I ask where you got your scores? I ask because most credit scores out there are not true FICO scores.

The Equifax FICO score here is version 08. The Equifax website will sell you a ScoreWatch 04 score but you have to be careful because they also sell their own proprietary score which is not FICO.