topic Re: My Scores in General Credit Topics

My Scores

Anonymous — Sat, 08 Dec 2018 02:55:35 GMT

EQ 768
Trans 739
Exp 673
I have seen my Experian get low as 569. The other two stay over 700 all the time. I have one delinquency that hopefully will fall off in about 10 months.

Re: My Scores

Anonymous — Sat, 08 Dec 2018 03:39:34 GMT

Is there a question or just thinking out loud?

Are those all FICO scores? TU and EQ from Credit Karma maybe?

Re: My Scores

Anonymous — Sat, 08 Dec 2018 04:39:17 GMT

Yes from credit karma

Re: My Scores

Anonymous — Sat, 08 Dec 2018 04:41:06 GMT

What about EX score?

Re: My Scores

Anonymous — Sat, 08 Dec 2018 17:02:37 GMT

Ok, since you're not responding, I'm going to assume you got your EX score directly from Experian or one of your cards like Discover.

The reason you're seeing a huge discrepancy is because Credit Karma provides TU and EQ VantageScore 3.0 scores (some refer to as FAKO), it's mostly meaningless because just about no lenders uses it for credit decisions. On the other hand your EX score is most likely FICO 8 score that is widely used by most lenders, it's not unusual to see a huge difference between the two scoring models like in your case. You can obtain your TU and EQ FICO 8 scores by signing up at creditchecktotal.com $1 7day trial, it will provide FICO 8 score for all 3 bureaus, just make sure to cancel before the end of the 7 day trial to avoid being charge the full subscription price.

Re: My Scores

RonM21 — Sat, 08 Dec 2018 22:59:42 GMT

@Anonymous wrote:
Ok, since you're not responding, I'm going to assume you got your EX score directly from Experian or one of your cards like Discover.

The reason you're seeing a huge discrepancy is because Credit Karma provides TU and EQ VantageScore 3.0 scores (some refer to as FAKO), it's mostly meaningless because just about no lenders uses it for credit decisions. On the other hand your EX score is most likely FICO 8 score that is widely used by most lenders, it's not unusual to see a huge difference between the two scoring models like in your case. You can obtain your TU and EQ FICO 8 scores by signing up at creditchecktotal.com $1 7day trial, it will provide FICO 8 score for all 3 bureaus, just make sure to cancel before the end of the 7 day trial to avoid being charge the full subscription price.

Welcome Bryan, and the info above from Oldman is good advice. Get ahold of your Fico scores. Once you've done that, if you still see a big variance in scores, there is a reason for it. That is when you want to compare all 3 reports to see where the differences may be.