Equifax Report (FAKO?) vs. FICO Scores - Is this normal? And a question about pulls...

Anonymous — Tue, 18 Sep 2012 22:50:21 GMT

Before I knew that it was the FICO scores that were important (or that there was even a difference!) I ordered a report off of the Equifax website last night. I was thrilled to see my husbands scores were in the 790s!! Woohoo. Then I talked to our lender who said no the scores they use are different and sure enough I came here and pulled his FICO scores and they were 100+ points less--in the 670s to the 690s! Ugh. Is this normal for them to be so drastically different? Also, am I hurting his score by running these reports? I thought these would be soft pulls but my lender told me not to pull anymore reports because it could affect his score. Is this true? Last week his lowest score was 689 and now his lowest is 677. What has happened since then? We removed a late payment and his score went down?! There have been two hard pulls from different lenders but I thought if they were pulled within 45 days of eachother it was okay?? I'm not sure I have ever been so stressed about something...

Re: Equifax Report (FAKO?) vs. FICO Scores - Is this normal? And a question about pulls...

Shogun — Tue, 18 Sep 2012 22:52:09 GMT

Your score is not affected if you pull your report or score. My general rule of Fakos is +/- 200 points if that tells you how much faith I have in them.

Re: Equifax Report (FAKO?) vs. FICO Scores - Is this normal? And a question about pulls...

Anonymous — Tue, 18 Sep 2012 23:01:39 GMT

Thanks for the quick reply again Shogun.

topic Re: Equifax Report (FAKO?) vs. FICO Scores - Is this normal? And a question about pulls... in Rebuilding Your Credit

Equifax Report (FAKO?) vs. FICO Scores - Is this normal? And a question about pulls...

Re: Equifax Report (FAKO?) vs. FICO Scores - Is this normal? And a question about pulls...

Re: Equifax Report (FAKO?) vs. FICO Scores - Is this normal? And a question about pulls...