Equifax complete premier vs Myfico scorewatch

[Eric958]

Confused,,, Equifax score on Equifax .com is much lower then SW. So which one is right? Their offering 3 scores and reports for 4.95 trial 30 days. (I will cancel shortly)

[Anonymous]

Are they exactly the same score model, e.g. FICO 8? If not, then you're comparing apples to oranges. Also, even if they are the same model, there could be a difference if they updated at a different time. Btw, what product is that? I can't find it.

[Eric958]

Equifax complete premier I saw it on my home page = MSN.com It didn't list what model it was. I'm sure its advertised on their site page

[Anonymous]

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@Eric958 wrote:
Confused,,, Equifax score on Equifax .com is much lower then SW. So which one is right? Their offering 3 scores and reports for 4.95 trial 30 days. (I will cancel shortly)

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From the Equifax website fine print, (you can find the offer by searching for "Equifax 4.95" on google"):

"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."

As we can see from the fine print it's not a Fico score, and should be take with a grain of salt.