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I Know Its Fake But....

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Karnage146
Contributor

I Know Its Fake But....

Why is my freecreditreport.com Equifax so much lower than myFico Equifax score? It is 597 vs a 630. Which do lenders look at or see?

Message 1 of 3
2 REPLIES 2
Shogun
Moderator Emeritus

Re: I Know Its Fake But....

I've never seen credit denied due to a freecreditreport.com score.  So I wouldn't take their scores to heart.  Your myFICO EQ score is FICO Beacon 5.0 which is the one most used by lenders.

Starting Score: 504
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.
Message 2 of 3
Sunshinebiz
New Contributor

Re: I Know Its Fake But....

The free credit report score called a "plus" score which is a different model that has different end brackets. It gives an idea of your credit situation and either improvement or regression, but it can be significantly lower than an actual fico score. I've had like an 80 point difference in the two scores at times. Don't worry about the actual plus score; just monitor your report and make sure your score is going in the right direction.
Gardening spree went on hiatus but I think it paid off. Now back at it!
Building slowly but surely. Thank you to all members of this community for all the invaluable advice.
Latest that I know of: EX- 671, EQ- 653 TU- 648
Amex Green, Barclay Rewards MC, Cap1 Platinum, Cap1 Quicksilver, Credit One(closed!), WalMart, Amazon, DCU Platinum Visa, Jared Credit, Cap1 Spark business cash back, AMEX corporate Gold, Alliant CU Plat Visa, Suncoast FCU Plat Rewards Visa

Goals by end of January: Amex TE Costco, Amex BCE
Can it be done? It wasn't done by end of Jan, but it's still coming
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