@DaBears wrote:The score they are charing you is a FAKO score. I believe Equifax stop selling Fico scores to consumers back in 2009.
This is incorrect. EQ DOES sell their FICO. It is EX that stopped selling their FICO to consumers. And yes, when you get your free report from annualcreditreport.com, they will offer you your EQ FICO for $7.00.
That number they put with it is a FAKO. Equifax does supply a FICO score, the same one that's sold here, but you have to look for it on their site. EX stopped the ability to buy a FICO score in 2009.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Ok, so I have my current TransUnion report and FICO score, via this site. My score is 606. Can I rely upon this as accurate?
Starting Score: 02/2013 606(TU-myFICO); 647(EQ-CreditExpert); 578(EX-CreditExpert) 
I'm sorry...what's the 98 mean? (Just when I thought I was learning all the lingo...
)
GOTCHA! (Lemme go cover these blond roots right quick!) lol
You'll notice I took the myFICO fitness challenge, with what I assume to be FICO scores for all three CBs. EQ and EX scores were taken from the initial credit report my realtor pulled last fall, when we asked her to find out where we stand. Am I correct that those two are true FICO scores too? We paid $30 to the realtor for the pull.
Looks like I'm all set then! Ready to rock and roll! 