topic I'm confused in Understanding FICO® Scoring

I'm confused

Anonymous — Wed, 12 Sep 2007 01:32:52 GMT

I have my three bureau score of 672 on EXP. EQ. and TU that I checked last week.

Now, I just got the myFico score and it was 630, and they said they got it from Equifax.

how is that possible if I'm seeing it at 672 on another site?

I don't get this.

Both sites are showing the same things in my history, but reaching different scores.

Re: I'm confused

Anonymous — Wed, 12 Sep 2007 01:51:03 GMT

@Anonymous wrote:
I have my three bureau score of 672 on EXP. EQ. and TU that I checked last week.
Now, I just got the myFico score and it was 630, and they said they got it from Equifax.
how is that possible if I'm seeing it at 672 on another site?
I don't get this.
Both sites are showing the same things in my history, but reaching different scores.

Different scoring formulas. Only MyFICO and Equifax provide the FICO formula. Yea, they dress it up to look just like FICO scores don't they. Almost had me fooled too. They even talk about FICO scores on the TU and TC site. But they give you Vantage or TransRisk scores.

Re: I'm confused

Anonymous — Wed, 12 Sep 2007 01:52:16 GMT

Experian also gives you a PLUS score to add more to the confusion. Still not a FICO.

Re: I'm confused

Tuscani — Wed, 12 Sep 2007 11:27:54 GMT

Welcome.. Please read the Scoring 101 thread:

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654