Fico vs. Big 3

[Gladius]

Please excuse my ignorance and I'm pretty sure I will find the answer if I "search", but I have a simple question.  Is your Fico score different than the big 3?  The reason why I'm asking is that I notice a lot of people refer to them as "my Fico scores" rather than separate the 4 individual scores Like say my "Fico" score on this site is significantly lower than my big 3 (by 100 points). And while my big 3 continue to rise, my "Fico" has dropped (as stated on my thread in mortgage forum). Thanks in advance.

This site has some good info.

[Shogun]

Your FICO score is your "Big 3".  I know it gets confusing.  Your FICO score is not an entity of itself.  It's actually a score generated for your CRs from EQ,TU and EX.

Each of the 3 major CRs offer a score.  But their scores are not used by lenders.  That's why they are called FAKOS.

FICO takes the information from the 3 CRs and generates a score for each one.  That's why you have FICO scores from each of the CRs.

FICO does not supply any information to your CR, they only calculate a score based on what is found on each of those CRs.

[llecs]

I saw another one of your posts...aside from the above, it's a branding issue. FICO is a brand name for credit scores, just like Xerox was in the day for photocopies, and Band-aids for bandages and Kool-aid for sugary flavored water with regards to modern branding. You have 3 FICO score, one each from Equifax, TransUnion, and Experian and the places to get these scores are very limited with myFICO.com and your lender being the most used sources.

[Gladius]

Thank you.  I guess I probably fall into the category of people who yell "why is this credit scoring system so jacked up?!!"  It's a conspiracy I tell you!!  lol