FICO Scoring difference...

[the_jan_b]

I'm hoping someone can answer this for me... 

I recently apped for the AmEx Zync (which I should have known...denied); anyway, the declination letter stated that my FICO score from Experian was too low (584).  The next day, I signed up for Score Watch, and it stated that my Equifax FICO was 555.  Does anyone know which one would be most accurate/which one I should believe?

Thanks for any help!! 

[AndySoCal]

There are a couple possibilities.  The FICO score Amex used was a different model than the one here at MY FICO. Another is you have differnces in the credit data at Experian and Equifax.

[Anonymous]

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@digitaldiva wrote:

I'm hoping someone can answer this for me... 

I recently apped for the AmEx Zync (which I should have known...denied); anyway, the declination letter stated that my FICO score from Experian was too low (584).  The next day, I signed up for Score Watch, and it stated that my Equifax FICO was 555.  Does anyone know which one would be most accurate/which one I should believe?

Thanks for any help!! 

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Both are accurate so you should believe both.  Everyone has three true FICO scores - Equifax, Experian, and Transunion - but most lenders only pull one report/score.  In your case, Amex pulled your EX report/score.  The following is an extreme, and unlikely, example, but say your EQ (Equifax) and TU (Transunion) scores were both 750 but somehow your EX (Experian) was only 584.  AMEX only pulls your EX score and doesn't even see (probably doesn't care either) your very good EQ and TU scores so they still reject you.

[the_jan_b]

Thanks for the replies...I was kind of concerned about the scores (not to mention the fact that I just realized that one score was from Equifax and the other score was from Experian... )!