Fico Scores Vs. Bureaus Own Scores

[Anonymous]

Hello Guys -

I wasnt sure if this is the right place to post this question, but since this is about Fico Scores, I thought this would be a perfect place to ask.

When you apply for a credit card, what do the credit/application department look at or see...The Fico scores of bureaus or the bureaus scores?  (for example... equifax has its own scores you can purchase, etc)

Thanks again guys.  I love this forum.

[haulingthescoreup]

The scores on Equifax (for EQ, not for all three) are FICO scores, but they're unique. The scores on the TU and EX sites are FAKO's.

Most lenders use FICO's and/or an in-house formula. No banks use PLUS, Vantage, TransRisk, etc. that I'm aware of, although Kohl's pulls an EX Vantage score. The CRA's invented Vantage in hopes of competing with FICO scores, but AFAIK, they haven't gotten very far.

IMO, the scores you can buy on CRA websites, with the exception of EQ, were created to fleece cash from unsuspecting consumers. OK, sorry, gotta go wash the cynicism out of my brain...

[Anonymous]

Thanks you so very much

One more question: I know ScoreWatch does Equifax, but how do I get my Fico's for Experian and Tranunion (regarding one of myfico.com products)?

Thanks once again for your help

[Lel]

You can buy your TransUnion credit report and FICO score from here or at transunioncs.com.  You can't buy your Experian FICO score anywhere.