The Equifax score you received from Experian is FICO8; it is dependable, and the model used by lenders to make decisions.
The score sold to you by Equifax is NOT a FICO Score - it is the Equifax score based on their own proprietary model.
Transunion does the same thing - the scores they sell are not FICO -- they are based on the Vantage 3 model (same as Credit Karma).
Monitor the FICO 8s provided on the Experian site. FICO scores are the ones with which you should concern yourself as they are used by >90% of lenders.
The score sold to you by Equifax is NOT a FICO Score - it is the Equifax score based on their own proprietary model.
Transunion does the same thing - the scores they sell are not FICO -- they are based on the Vantage 3 model (same as Credit Karma).
Monitor the FICO 8s provided on the Experian site. FICO scores are the ones with which you should concern yourself as they are used by >90% of lenders.
Hmmm... so the FICO from Equifax may not be FICO 8 but one of the other FICO models (there are several). Does it say FICO 8 next to the score? Odd that the link does not specify a model.
The only other way to find out is to sign up for your 3 bureau report from myFICO. It will cost you but they provide all 28(?) versions of your FICO score spanning across the 3 bureaus. You can then match the scores with what you have to determine which model you were given by Equifax.
What you received from Experian is most likely the FICO 8 model -- unless it says otherwise as they do also sell a Plus score. But the FICO 8 scores on Experian literally have the FICO 8 trademark next to them.
The only other way to find out is to sign up for your 3 bureau report from myFICO. It will cost you but they provide all 28(?) versions of your FICO score spanning across the 3 bureaus. You can then match the scores with what you have to determine which model you were given by Equifax.
What you received from Experian is most likely the FICO 8 model -- unless it says otherwise as they do also sell a Plus score. But the FICO 8 scores on Experian literally have the FICO 8 trademark next to them.
Also - which Experian product did you purchase? If it was either IdentityWorks or CreditWorks then they definitely gave you FICO 8 scores (I've used both products).
Yess. That's why I initially thought you purchased the Equifax score model because that's what is sold in their main website.
I'm guessing the gave you a score based on one of the other FICO score models. - perhaps one of the Bankcard models (they are often lower than the FICO 8). It's so scammy of them not to tell you which model they're providing.
I'm guessing the gave you a score based on one of the other FICO score models. - perhaps one of the Bankcard models (they are often lower than the FICO 8). It's so scammy of them not to tell you which model they're providing.
I, unfortunately, don't know of any service that allows for a single Equifax report and FICO 8 score pull. I've never used myFICO, but I'm fairly certain their plan options are based on a 3 bureau pull.