Both are right; just different scoring models.
The credit score offered for purchase on Equifax’s website is based on the Equifax Credit Score model and is not the same score used by creditors - aka FICO.
Just like the VantageScore offered by Credit Karma and other free sites vs. FICO.
The credit score offered for purchase on Equifax’s website is based on the Equifax Credit Score model and is not the same score used by creditors - aka FICO.
Just like the VantageScore offered by Credit Karma and other free sites vs. FICO.
Well... Transunion only offers Vantage 3; Equifax only offers the "Equifax score model".
Of the 3 Bureaus, the Experian website is the only one that offers your actual FICO scores for all three bureaus through their IdentityWorks and CreditWorks products. There is also Credit Check Total which offers FICOs for all three bureaus.
So, you have (1) myFico; (2) Experian.com; (3) Credit Check Total. I'm sure more services exist but those are the ones I know for sure.
The only other option(s) are the scores provided through various creditors - you just have to make sure they're FICO -- and FICO 8, not a FICO bankcard score models -- and, they typically only offer 1 bureau, not all 3. And there's the free discoverscorecard.com that offers an Experian FICO 8.
@Anonymouswrote:
@AnonymousThat annoys me. So myfico is the safest bet for your actual score?
There isn't such a thing as your "actual" score. Everyone has many scores. In terms of lending, FICO scores are what matters. myFICO is one source of those scores, but from what I undestand one can pay $30/mo or more for them. If you go to creditchecktotal.com for $1 you can get all 3 (EX, TU, EQ) of your FICO 08 scores. They are the most commonly used FICO scores, so they're very worthwhile. If you'd like one of those 3 for free, your EX FICO 08 score, sign up at creditscorecard.com, where you'll get that score updated very month.
Don’t you also have to cancel the $1 CCT trial, or begin paying $30 per month to keep getting scores from them?
And in common language in posts by individuals here “FICO Score” means FICO 8 unless otherwise stated. One of the first clarifying questions is “where are your scores from” because it matters to the conversation and advice. It is the score easiest to monitor and the best proxy for “how is my score doing” and thus can be considered your “actual score” unless applying for something like a mortgage or auto loan.
