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So i like others have discovered the myriad of credit<blank>ma.com (wasnt sure if name dropping was allowed).
MyFico
Fico8
Ex 674
TU 690 vs 726 Fako
Eq 681 vs 726 Fako
I always wondered why the scores vary. I just signed up on myfico.com as they seem most accurate, I hope? How accurate is myfico? The other thing is I asked a lender which fico score model they use and they didn't know...doesn't sound right, I would think they would know. Thanks for the insight Sharon
Credit Karma.
TU: 634 & EQ: 654
Credit Check Total
TU: 688 (+54), EQ: 758 (+104), EX: 749
Credit Cards! Just trying to gage what I may qualify for because I started receiving pre-qualifications for Tier 3/Travel cards
I was really shocked! I knew my experian was high through Experian.com. However, I wasn't expecting such a big difference with TU, since I have 6 medical charge-offs. I expect a score improvement, once I dispute them. I'm glad I was able to see my TRUE score for only $1!!!!
Ex FICO (free from USAA) - 768
TU Vantage 3.0 (CreditKarma) - 778
Last month my TransUnion FICO 8 was 840 and my TransUnion VantageScore 3.0 was 839.
FICO provided by Discover and VantageScore provided by Capital One.
Real FICOs
EXP 715
EQ 693
TU 685
Credit Karma
TU 612
EQ 630
Quite the difference. I only use CK for monitoring the scores are completely worthless
@Anonymouswrote:I always wondered why the scores vary. I just signed up on myfico.com as they seem most accurate, I hope? How accurate is myfico? The other thing is I asked a lender which fico score model they use and they didn't know...doesn't sound right, I would think they would know. Thanks for the insight Sharon
The scores you get from myfico and other paid websites are the exact and correct scores and the same lenders will see if they made a HP. As for which model a specific lender use I think you can search the forum and if someone has applied for it they would know. Can't be definite though
These are highly inflated while I'd love my scores to be not far from 800... I'll just close with looks can be deceiving ahaha.
Right now for me......My FAKOS have weird fluxuations that don't make any sense either. They've jumped as high as the 590's but they've dipped back down into the upper 570's.
I've been north of 600 in my real scores for 3-4 months now
My FICO scorecard
647 EQ: 623: TU: 617
FAKO scorecard
EQ: 569 TU: 559