Which is my real fico score.

[Ups77]

I was wondering which score should I go bye. I purchased my score from my fico. I also recieve my score from Barclays. Which one is used by creditors.

[-Wade-]

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@Ups77 wrote:

I was wondering which score should I go bye. I purchased my score from my fico. I also recieve my score from Barclays. Which one is used by creditors.

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They are your real Fico scores.

[-NewGuy-]

Different scores are used by different creditors. The one from Barclay's is your TU FICO score (TU 08 is the scoring model). So I wouldn't buy that one here. Which creditor are you talking about?

[Ups77]

Harley Davidson visa

[Ups77]

I know but which model do most creditors use.

[axledobe]

It varies greatly and depends on the creditor and state you live in.  If you're talking about the Harley Davidson Visa from US Bank, they are known to pull TU (Transunion) and possibly one other.  You can google credit pulls database and search "US Bank" or "Harley Davidson" and see what you come up with.  In the state where I live, US Bank is a well known TU puller.  YMMV (your mileage may vary).

Good luck!  

EDIT: spelling

[Ups77]

Tks

[takeshi74]

As indicated above both are "real". They're just different models.  See also:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Difference-in-Scores/td-p/2384297

Different creditors use different models. Different creditors rely on different CRA's. Some creditors don't use either of the two models or CRA's in your OP. Don't fixate on the number in your score. Learn the factors that play into your scoring.  There's this page:

http://www.myfico.com/crediteducation/whatsinyourscore.aspx

...the FICO scoring subforum and plenty of other resources out there that you can refer to.  Ensure that your reports are clean and that the items on your reports are positive.  You can't just assume that most creditors use one FICO model from one CRA because they don't.

[RCFL]

I have recently applied for capitalone and they pulled EX or EQ I forgot --- but I think it was EX And it matches my score on this site.

[Revelate]

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@RCFL wrote:
I have recently applied for capitalone and they pulled EX or EQ I forgot --- but I think it was EX And it matches my score on this site.

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EX was the score they provided to you (they pull all three)?  Potentially useful datapoint if so: it matches Amex, interesting to see what other lenders are or may be using the '08 baseline model.