Trust the one that whoever you are borrowing money from uses. Anything else isn't trustworthy.
Truth is, with your current scores, it probably doesn't matter much. You have a couple of things on your reports that you need to work on. Work on those, after that, the scores will start to count. In essence, just remember that the score is based on the credit report and the credit report should be consistent between them all. Fix that.
For tracking / planning purposes, you can use any scoring method you want, just use it consistently, don't shop different systems to get the best score, it won't help. For loan application purposes, get a copy of your FICO scores.
Dan
Just trying to get my scores to rise from the dead......
Wait.... I think I just heard a heartbeat!
