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Fico Score vs. 3 Bureau Report

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WoodlandFlora
Established Member

Fico Score vs. 3 Bureau Report

I paid for my FICO scores today and I also order a 3 Bureau Report through Experian. I am very confused at this point because none of the numbers match. They are not terribly far off from one another, but there is some variance nonetheless.

 

What should I go by to figure out what my score is? I am trying to check our scores so we can refinance.

 

Thank you for your help!

Aubie

 

Message 1 of 3
2 REPLIES 2
llecs
Moderator Emeritus

Re: Fico Score vs. 3 Bureau Report

Welcome!

 

The scores purchased from Experian are not FICO scores. In fact, Experian tries to compete with FICO by selling their own scores. It's likely a PLUS score and I don't know of any lenders anywhere that even touch it. The ones sold from myFICO are actual FICO scores. Other than myFICO.com, you can also get your EQ FICO from Equifax.com or from your lender. Other than myFICO.com, you can also get your TU FICO from transunioncs.com (note the -cs) and from your lender. Finally, as of last year, Experian no longer allows consumers to pull their own EX FICO score, but you can get it from your lender or on your checking statement if you happen to have a checking account with a CU in PA called PSECU. Any other score from any other source are not FICO scores, but a knock-off we call FAKOs.

 

 

Message 2 of 3
WoodlandFlora
Established Member

Re: Fico Score vs. 3 Bureau Report

Thank you so much! That makes perfect sense. The reply is much appreciated and I will remember that in the future.

Message 3 of 3
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