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My Fico vs. True Credit

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Anonymous
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My Fico vs. True Credit

I am new to this forum so I am happy to have someone to bounce this question off of.
 
I have subscribed to both My Fico and True Credit.  My question is why in the world would they show such differing numbers?
 
My Fico scores are low, in the 500's  and yet on True Credit they are much higher.
 
Why so different?
Message 1 of 3
2 REPLIES 2
Anonymous
Not applicable

True Credit scores are using a different formula, which i...

True Credit scores are using a different formula, which is largely irrelevant as it's not used by any noticable (if any) creditors.
Message 2 of 3
Anonymous
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Use the myfico number--that's your real score.  True Cred...

Use the myfico number--that's your real score.  True Credit is good for monitoring though, as it allows you to update your report every 24 hours.
Message 3 of 3
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