@Anonymous wrote:
i use freecreditreport.com.....and did the 3 in 1 report.....all were similar....I then did the myfico score and it was significantly less??? im looking at a mortgage with wells fargo and i know that they use the RELS system which pulls all 3 reports...trans, experian and equifax.....dont know what to think
Welcome.
It doesn't matter who sells it. There is no 3 in1 report that offers FICO scores. None. The TU (Transunion) and EQ (Equifax) scores you get here at myFICO are true FICO scores. The non-FICO scores (we call them "FAKO"S) cannot be compared to FICO scores in any way. You found out yourself that your FICO from here was actaully less than those worthless scores you got at FCR.
But I'm not picking on you. I certainly didn't know until I found these forums that most sites that sell "credit scores" don't sell FICO scores at all.
Lenders of course have access to all 3 FICO scores and those will always be accurate.
From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
