The eq score is real because its what most lenders are using.
Your 590 TU score is useless because no one is using this outdated TU98 fico score.
Walmart uses the TU08 and is a newer fico that is not being used by most. The one that is used most is TU04 and you can't buy it. Only why to get it is from a lender.
So many scores out there and most are useless because IMO the score that counts is the score the lender is seeing. The rest to me are Fako's.
Bankrupcy 7 Filed 2/20/2012
Discharged 6/18/2012
FICO as of 7/6/2012
TU 630 Classic (04)
EQ 641 FACTA Beacon 5.0
EX 607 Fair Isaac (ver. 2)