Fico difference gauging?

[wallywonka]

So I aked Cap 1 to give me a credit limit increase. 

On some paperwork I saw my equifax score listed @ a 612. 

My normal USAA credit monitoring service shows my Equifax @ 570. 

Thats a good 30 points off. Anyone know where to get hardcore FICO from each ?

BTW, my USAA monitoring service is powered by Experian.. do you think that score is realiable?

[llecs]

USAA's CMS doesn't provide FICO scores. They provide FAKOs called a PLUS score.

You're limited on the places to get your FICO score.

You can only buy your EQ FICO from myFICO, your lender, or from Equifax.com (buyer beware: the scores they push are a FAKO, but your EQ FICO can be purchased through EQ).

You can only buy your TU FICO from myFICO or your lender.

Finally, you can only buy your EX FICO from your lender or myFICO.com.

Aside from the above, you can also get your FICO scores for free or at a reduced price. Banks and CUs will offer it as a benefit. M&T Bank, Unitus Community Credit Union, and Digital Credit Union each offer an EQ FICO. You can get your TU FICO from Wal-Mart or Merrick Bank if you have CCs with them. And you can get your EX FICO from PA State Employees Credit Union (PSECU) if you have a checking account with them. There are other CUs out there that will offer a FICO if you ask them as part of a benefit for being a member.