Lets get on the same page here!

[Anonymous]

How come my Pico score is different from other websites that I pull my cedit from example from the Eperian Website or the Equifax website, which one is the most accurate? Which ones do the lenders actually look at? Thanks

[jdxprs1]

depending on what you are applying for, none of them are probably the same as what lenders will pull. here you get a regular score. they have so many variations its all a waste of time.

[llecs]

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@Anonymous wrote:

How come my Pico score is different from other websites that I pull my cedit from example from the Eperian Website or the Equifax website, which one is the most accurate? Which ones do the lenders actually look at? Thanks

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Experian never had FICO scores on their website. They sell FAKOs (non-FICO scores) and lenders don't use them. Same goes for TransUNion. Ignore those scores.

Equifax used to exclusively sell FICO scores (same version as on here), but they sell their own FAKO score now. However, there are some hidden links on their website that offer FICO scores (www.equifax.com/myfico-products).

Virtually all lenders use the same Equifax FICO as found on myFICO. You have maybe (guessing) a one in four shot of finding a lender that uses the same TransUnion FICO as found on here, though most use a newer version of FICO not accessable anywhere except from your lender.

[RobertEG]

Lendors almost aways look at true FICO scores.  Credit scores are based on the three CRAs for the information used to generate them, but there is no such as, for example, an "EX Score."  All that means is that it was generated from data in your EX credit file.  It does not tell you what scoring algorithm was used to generate the score.

While many use the term "FICO score" generically, FICO is a registered trademark, and unless the score you receive bears the FICO moniker, it is not a FICO score, and almost invariably wont be the score used by your lendor.

If you pull your score from myFICO, it is a guaranteed FICO score.  Scores provided by the CRAs or other commercial vendors usually are not.