Experian PLUS score model

[Anonymous]

Is anyone familiar with this scoring model (Experian PLUS scoring model)? This can be found on your score at freecreditreport.com....How reliable/ credible is it in the eyes of actual lenders? The reason why I'm asking is because on this scoring model my score is 722, but on Equifax it's 620 and Transunion 622. They literally have the exact same information on all reports in terms of credit info, AAOA, etc.....That obviously is a big difference In scores. Can anyone shed some light on this for me?

[Scupra]

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@Anonymous wrote:

Is anyone familiar with this scoring model (Experian PLUS scoring model)? This can be found on your score at freecreditreport.com....How reliable/ credible is it in the eyes of actual lenders? The reason why I'm asking is because on this scoring model my score is 722, but on Equifax it's 620 and Transunion 622. They literally have the exact same information on all reports in terms of credit info, AAOA, etc.....That obviously is a big difference In scores. Can anyone shed some light on this for me?

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The experian score you speak of is a FAKO. The only place to actually purchase your FICO scores is from myFICO.com

[baller4life]

Yeah fako scores the exact same items completely different that fico. Sorry but you can't rely on the Experian Plus score

[fixmycred14]

Great! My question was answered. Disregard my new post.

[takeshi74]

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@Anonymous wrote:

Is anyone familiar with this scoring model (Experian PLUS scoring model)?

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As indicated above it's a FAKO.

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@Anonymous wrote:

How reliable/ credible is it in the eyes of actual lenders?

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Creditors don't use FAKO's to determine whether to approve you or not.

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@Anonymous wrote:

The reason why I'm asking is because on this scoring model my score is 722, but on Equifax it's 620 and Transunion 622. They literally have the exact same information on all reports in terms of credit info, AAOA, etc.....That obviously is a big difference In scores. Can anyone shed some light on this for me?

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It's a given that different scoring models can produce different scores.  Don't expect them to match.

Don't overlook resources such as the Credit Scoring 101 thread stickied at the top of this very subforum (via Frequently Requested Threads):

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Scoring-101-START-HERE/m-p/8169