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NOW I AM CONCERNED! PLEASE ADVISE!

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Derrick1977
Frequent Contributor

NOW I AM CONCERNED! PLEASE ADVISE!

I use mycreditkeeper.com for my credit monitoring.   They have my scores as follow

 

Ex-614

EQ-647

TU-623

 

and I just signed up for MyFico and it showed my Ex score as 626.

 

 

I just applied for an apartment and I looked across the table as the lady pulled my score and she said it wasn't too bad and they used Experian.  The scored showed 592.  What is wrong.  I have several scores.  Which is correct and I atleast thought all of them were in the 600's.

 

Please advise!

Message 1 of 8
7 REPLIES 7
brownee
Frequent Contributor

Re: NOW I AM CONCERNED! PLEASE ADVISE!

The scores you get from myfico are your REAL scores.  Maybe the landlord doesn't use Fico scores...?
7/7/09 TU: 630 EQ: 638 EX: ??
4/3/09 TU: 599 EQ: 606 EX: ??
Message 2 of 8
Anonymous
Not applicable

Re: NOW I AM CONCERNED! PLEASE ADVISE!

Credit Keeper is FAKO scores - they use their own formula. This website (MyFICO) shows your real EQ and TU scores. At this point in time, you personally cannot pull your true EX FICO score.

 

That's the short answer. Others may expand.

Message 3 of 8
Anonymous
Not applicable

Re: NOW I AM CONCERNED! PLEASE ADVISE!

What about through equifax's monitoring service? is that the real fico?

thanks

Message 4 of 8
nothingman02
Valued Contributor

Re: NOW I AM CONCERNED! PLEASE ADVISE!

Nope!

 

ETA: EQ - FICO

        TU/EX - FAKO

 

Message Edited by nothingman02 on 04-08-2009 04:03 PM
Message 5 of 8
Anonymous
Not applicable

Re: NOW I AM CONCERNED! PLEASE ADVISE!


Derrick1977 wrote:

I use mycreditkeeper.com for my credit monitoring.   They have my scores as follow

 

Ex-614

EQ-647

TU-623

 

and I just signed up for MyFico and it showed my Ex score as 626.

 

 

I just applied for an apartment and I looked across the table as the lady pulled my score and she said it wasn't too bad and they used Experian.  The scored showed 592.  What is wrong.  I have several scores.  Which is correct and I atleast thought all of them were in the 600's.

 

Please advise!


You can not get an EX score from myFICO. You can't get a EX FICO anywhere directly.

 

As mentioned, it is possible that the apartment manager didn't pull a FICO and as mentioned, the scores from CK are FAKO scores.

 

 

Message 6 of 8
AndySoCal
Senior Contributor

Re: NOW I AM CONCERNED! PLEASE ADVISE!

The credit bureaus have many different score models and so does Fair Isaac the maker of the FICO score. Some of the Fair Isaac scores are designed for a specific industry. The difference in your scores may the simply the difference in the score model each time the credit report was pulled. Keep in mind each time a creditor updates your account at the credit bureau it may cause the score to change.or it may not. Just keep watching your credit report and make sure everything that is being reported is accurate.
FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 03/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney )
JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 25,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000
Banking: Langley FCU Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Red-stone FCU Hughes FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
Message 7 of 8
Anonymous
Not applicable

Re: NOW I AM CONCERNED! PLEASE ADVISE!

Experian stopped offering FICO scores to anyone other than lenders back in February. THere is no site that one can pull their personal exerian fico score.
Message 8 of 8
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