Freescore.com

[Anonymous]

I just checked my scores on Freescore.com and they differ from those on myFico.com. The scores off myFico.com are higher than Freescore.

At myFico I have 709 from TU and 732 from Equifax. At Freescore its 677 TU and 723 Equifax.

Why the disparity?

[Lel]

---

@Anonymous wrote:

I just checked my scores on Freescore.com and they differ from those on myFico.com. The scores off myFico.com are higher than Freescore.

At myFico I have 709 from TU and 732 from Equifax. At Freescore its 677 TU and 723 Equifax.

Why the disparity?

---

Because the scores at Freescore.com are not FICO scores.  That site uses a formula that might have similar scoring criteria, but fundamentally it's an entirely different formula that, in your case, does not generate a score that correlates very well with your actual FICO scores.

[Anonymous]

Got it. Thank you. Glad to hear the higher scores are my FICO.

[Lel]

You're lucky - often it's the other way around.  There's another score out there called the Vantage Score, which uses a scale that goes all the way to 990.  So, people will pull their Vantage Score and a 750, for example, but then get hit with a cold dose of reality when they pull their FICO score and get a 650.