Different websites reporting different scores why?!

[Anonymous]

I pulled my credit scores from 2 different websites via freetrail. One website let me see all 3 scores for free with my credit history report also free it show my TU674 EX637 EQ609 the credit report was very accurate with my accounts and balances.. I used a different website just to verify because I haven't checked in while, it only reported experian at 569 no credit report history but was accurate in telling me I had a couple of late pays 2 years ago. My fico free score shows equifax 620. Im just wondering why I have two very different scores based on the websites?

[llecs]

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@Anonymous wrote:

I pulled my credit scores from 2 different websites via freetrail. One website let me see all 3 scores for free with my credit history report also free it show my TU674 EX637 EQ609 the credit report was very accurate with my accounts and balances.. I used a different website just to verify because I haven't checked in while, it only reported experian at 569 no credit report history but was accurate in telling me I had a couple of late pays 2 years ago. My fico free score shows equifax 620. Im just wondering why I have two very different scores based on the websites?

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....because all of the other scores you received are not FICO scores. They are scores sold by the CRAs for marketing purposes and are so unreliable that lenders won't touch them. Other than myFICO.com, you can get your EQ FICO from Equifax.com (very, very hidden) or from your lender. Other than myFICO.com, you can also get your TU FICO from transunioncs.com (note the -cs) and from your lender. Finally, as of two years ago, Experian no longer allows consumers to pull their own EX FICO score, but you can get it from your lender or on your checking statement if you happen to have a checking account with a CU in PA called PSECU. Any other score from any other source are not FICO scores, but a knock-off we call FAKOs. If the word "FICO" isn't next to the score, then it isn't a FICO score.

Welcome to the forums!

[AndySoCal]

Two other points to add not providers of consumer credit reports have permission to sell the FICO score to consumers. Secondly,  the FICO score has a criteria that must be met in order to get a FICO score. Some consumers do not meet the criteria other score models do not have this criteria.