My EQ score provided by my EQ subscription has also become equal to the EQ score provided by myFico, but I’ve never been sure that the score provided by EQ is truly a V3 score.
My TU scores provided on CK and TU subscription have always been identical, but the EQ subscription score has always been about 60 points less than the CK EQ score. And EQ has never been the same as the EQ on myFico, until last Oct. The two have been identical since.
Is it possible that EQ has begun providing FICO instead of whatever it was they were using previously?
Equifax provides a credit score based on their own internal model. They also offer a Classic Fico 04 score "mortgage score" called Scorepower. They don't provide VantageScore.
Their model's reported score range is 280 - 850. Example (from 2015) pasted below.
TU FICO (free from Discover) - 707
TU Vantage 3.0 (free from CreditKarma) - 681
Interesting that the FICO score came out higher.
EX gives true FICO scores. TU gives Vantage 3. EQ gives whatever it is that they give, their own score. Not sure why EQ provides a one-off score.
I've signed up to several Fako services: Credit Karma, Credit Sesame, Nerd Wallet, etc. They've all recorded my scores at 657 this month, but today, CK posted a rise to my EQ score to 659. My EX score as provided by my credit union, however, is 707. Not exactly apples to apples, but it's a ballpark comparison.
I have a pretty great example of how FAKO can be great for general monitoring, but bad for moving on up.
At this point in my credit rebuilding, I have the 3B monitoring from MyFico. I'm in it to win it. I also have CreditWise from CapOne, and Credit Karma because I like to play little experiments with these. My latest mad science forray involved paying off every single one of my credit cards except one (AZEO method). Once that reported, Credit Karma took me from a 746 (EX) to a 713. MyFico, on the other hand? I went from a 705 (EX) to a 750. CK will also ding me piddly points when the interest on my deferred student loans increases...usually 1-5 depending.
Meanwhile, CreditWise is just hanging out, sipping a latte and trying to apparently be BFF's with CK because it does whatever CK does.
i recently xsfered balances to 2 new bt cards offering 0% intro. i wasnt aware of these forums and filled them both up putting them at 100% utilization with my daily driver pif but always reporting 50-$70 balance due to items in pending transaction when statement cut. i lost nearly 100 points on all 3 ficos. ive since found this board and have now made sure to pay the daily driver (chase saphire) to 0 and let it mid cycle report that. within a day my tu and eq ficos gained 32 and 33 points respectively. my tu vantage according to ck and creditwise only gained 1 point. ive also paid off one of the 2 bt cards and paid the other one down to under 48.9% util so expecting big things come this next reporting cycle.
So i like others have discovered the myriad of credit<blank>ma.com (wasnt sure if name dropping was allowed).
TU 690 vs 726 Fako
Eq 681 vs 726 Fako