Confused

[Anonymous]

I dont know where else to post this, so I guess this seems like the right place.

I recently pulled the all in one credit reports from all 3 agencies and from my two free trials that are explained below . All on the asme day and all within two hours. I had a different score from each one on my equifax file. This score ranged from 626-685. What would cause the wide discrepancy when pulling scores. My scores from Experian and TU were all above 700 as well.

Also is there any one credit monitoring better (more accurtae that others. I have free trials from BOA and Amex?

Any advise suggestions or replies would be great

[Anonymous]

It not clear in your post whether or not you pulled these scores all from myfico.com, but judging from your post it sounds like my not have.

myfico and beacon are the only FICO scores available on the market. all other scores are based upon different criteria than the FICO which means you will have different scores. Only Trust your real FICO score. These other score models are of limited use where as your FICO is basically universal.

Now it is possible to have a different score for each CRA (see my signature line as an example). This is because the 3 bureaus do not always report or code things the same. This is normal and should not cause alarm unless there is incorrect information.

[Junejer]

Unicat, you have pulled FAKO scores. The CRAs, don't offer FICOs. The only place that you can get true FICO scores is from myfico.com (all three), Equifax site will give you your EQ FICO and transunioncs.com will give you your TU score. Most lenders use only FICO scores. Everywhere else will give you worthless FAKO scores.