Does this sound like a FICO score or FAKO?

[KeithW]

I got this after applying for Bill Me Later. This was part of the acceptance letter.

Equifax Credit Information Services, Inc.
PO Box 740241
Atlanta, GA 30374
(800) 685-1111

We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.

Your credit score: 637
Date: 05/17/2013
Scores range from a low of 300 to a high of 850

[llecs]

It looks like a FICO based on the range. In the past they used their own scores for approval and this gave me pause.

[thom02099]

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@KeithW wrote:

I got this after applying for Bill Me Later. This was part of the acceptance letter.

Equifax Credit Information Services, Inc.
PO Box 740241
Atlanta, GA 30374
(800) 685-1111

We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.

Your credit score: 637
Date: 05/17/2013
Scores range from a low of 300 to a high of 850

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According to the "credit pulls database" of the site of which we may not speak, Bill Me Later pulls nearly exclusively from EQ.  So the probability is great that it's a FICO score. 

EDIT:  Also checked www.whogavemecredit.com and looks like the majority pull there was also EQ. 

[KeithW]

Is there more than one Equifax FICO, such as different versions? I pulled my EQ FICO on this site a couple of weeks ago and it was what's listed in my signature. So either there has been a big jump, which I doubt, or this is a different version.

[guiness56]

It could be a Bankcard Enhanced score.

[thom02099]

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@KeithW wrote:

Is there more than one Equifax FICO, such as different versions? I pulled my EQ FICO on this site a couple of weeks ago and it was what's listed in my signature. So either there has been a big jump, which I doubt, or this is a different version.

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Yes.  There's a Beacon 5.0 version that's available here, and a Beacon 9.0 that's available through some lenders.  Both are EQ.  And there can be a significant difference between the 2.  A 9.0 version gave me a score over 800 whereas the 5.0 version is not as generous, with score in the 760s range.