FICO score question

[Anonymous]

When I check my FICO score on Sun Trust, Citi Bank etc, they all say the same thing 771. They say it is based of Equifax, yet when I go to Equifax it says my score is 749. I dont understand, I checked them the same dates, for example 6/22/2021 so which one is accurate?

Thanks

Mark

Welcome, Mark!

SunTrust Online Banking

Your FICO® Score is 771 as of 06/22/2021

Key Factor(s) affecting your FICO® Score:

• Length of time accounts have been established
• Too many inquiries last 12 months

More information about your FICO® Score:

• How your FICO® Score is calculated
• Your FICO® Score history
• Understanding FICO® Scores
• FICO® Score FAQs

[Jnbmom]

That is most likely your FICO 9 score as opposed to your EQ FICO 8 score.

[Remedios]

Sun Trust is providing you with Fico 8 Bankcard score, you are looking at Fico 8 classic. 

[Remedios]

Also, what do you mean by going to EQ?

EQ provides vantage score via their website, so it could be that. 

[sznthescore]

@Anonymous Yes the Equifax score on Equifax website is a Vantage Score 3.0 as @Remedios has stated.  

[Anonymous]

---

@sznthescore wrote:

@Anonymous Yes the Equifax score on Equifax website is a Vantage Score 3.0 as @Remedios has stated.  

---

Well why would they provide a vantage 3.0? it is a worthless score then if banks are using a FICO score, is it to scare us to believe that our score is lower then it actually is? I don't get it.

Thanks

Mark

[Jnbmom]

---

@Anonymous wrote:

---

@sznthescore wrote:

@Anonymous Yes the Equifax score on Equifax website is a Vantage Score 3.0 as @Remedios has stated.  

---

Well why would they provide a vantage 3.0? it is a worthless score then if banks are using a FICO score, is it to scare us to believe that our score is lower then it actually is? I don't get it.

Thanks

Mark

---

Because Vantage scores are free, FICO scores you gotta pay for from the big 3.

[Anonymous]

---

@Jnbmom wrote:

---

@Anonymous wrote:

---

@sznthescore wrote:

@Anonymous Yes the Equifax score on Equifax website is a Vantage Score 3.0 as @Remedios has stated.  

---

Well why would they provide a vantage 3.0? it is a worthless score then if banks are using a FICO score, is it to scare us to believe that our score is lower then it actually is? I don't get it.

Thanks

Mark

---

Because Vantage scores are free, FICO scores you gotta pay for from the big 3.

---

But I do pay. Equifax $19.95 a month for a family plan, Experian $19.95 a month, and TU $24.95 a month so am I not entitled to my REAL FICO scores that the banks use? so the agencies are charging me yet providing me with a worthless score? I am I correct on this??

Thanks

Mark

[calyx]

---

@Anonymous wrote:

---

@Jnbmom wrote:

---

@Anonymous wrote:

---

@sznthescore wrote:

@Anonymous Yes the Equifax score on Equifax website is a Vantage Score 3.0 as @Remedios has stated.  

---

Well why would they provide a vantage 3.0? it is a worthless score then if banks are using a FICO score, is it to scare us to believe that our score is lower then it actually is? I don't get it.

Thanks

Mark

---

Because Vantage scores are free, FICO scores you gotta pay for from the big 3.

---

But I do pay. Equifax $19.95 a month for a family plan, Experian $19.95 a month, and TU $24.95 a month so am I not entitled to my REAL FICO scores that the banks use? so the agencies are charging me yet providing me with a worthless score? I am I correct on this??

Thanks

Mark

---

You are entitled to what you agreed to in the TOS.  

I would just stick to the Experian where you can get all three FICO8s every month.  

[Jnbmom]

---

@Anonymous wrote:

---

@Jnbmom wrote:

---

@Anonymous wrote:

---

@sznthescore wrote:

@Anonymous Yes the Equifax score on Equifax website is a Vantage Score 3.0 as @Remedios has stated.  

---

Well why would they provide a vantage 3.0? it is a worthless score then if banks are using a FICO score, is it to scare us to believe that our score is lower then it actually is? I don't get it.

Thanks

Mark

---

Because Vantage scores are free, FICO scores you gotta pay for from the big 3.

---

But I do pay. Equifax $19.95 a month for a family plan, Experian $19.95 a month, and TU $24.95 a month so am I not entitled to my REAL FICO scores that the banks use? so the agencies are charging me yet providing me with a worthless score? I am I correct on this??

Thanks

Mark

---

I can only comment on EXP as I have the 19.99 plan and those are true FICO scores.

Why are you paying each agency, that's like 64.00 a month where you can get it cheaper here or just use the EXP subscription although you don't get EQ and TU daily only every 90 days, but you get updates and daily EXP?