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Difference in myfico scores v individual cra

Established Contributor

Difference in myfico scores v individual cra

I just pull the trigger on a myfico monthly reporting and obtained my scores. Are they different if done by going to the individual CRA which would be expensive.
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Moderator

Re: Difference in myfico scores v individual cra


Blackswizz750 wrote:
I just pull the trigger on a myfico monthly reporting and obtained my scores. Are they different if done by going to the individual CRA which would be expensive.

^^^Not only is it more expensive, the scores may be totally different. Each CRA offers their own educational type scores as well as FICO scores. It isn't a FICO score unless it says it is a FICO score. 

 

For example, here is the disclaimer that EQ has in small type at the bottom of their page regarding scores:

"4 The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income."

Message 2 of 4
Valued Contributor

Re: Difference in myfico scores v individual cra


Blackswizz750 wrote:
I just pull the trigger on a myfico monthly reporting and obtained my scores. Are they different if done by going to the individual CRA which would be expensive.

Keep in mind Discover provides free monthly Ex fico08 to anybody, even non customers. Discover It card customers recieve free monthly TU fico08 scores. Citi credit cards provide customers monthly Eq Fico Bankcard 08. Amex provides customers Ex fico08. Barclaycard provides customers TU fico08. Noone I've found provides customers Eq fico08.  https://www.creditscorecard.com/     this link for free ex fico08 from discover





TU fico08=810 08/29/18
EX fico08=796 09/05/18
EQ fico08=811 09/05/18
EX fico09=797 08/01/18
EQ fico bankcard08=827 08/28/18
Garden since 07/02/18
Message 3 of 4
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Established Contributor

Re: Difference in myfico scores v individual cra

Thanks StartingOver10 and Sarge 12. I will check out the info you all have. It's best we are arm with scores and info before applying for credit. I. The past, I just run in and apply and hope for the best.
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