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Help Questions about score

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Anonymous
Not applicable

Help Questions about score

Hi everyone,

 

So I was checking my credit scores from Trans Union Equifax and Experian directly from their sites.. Then I decided to check the scores from My Fico. On experian they say my score is 555 but on my fico it is 711. It is almost the same with the others. My question is what score is accurate? Also when lenders pull your report where do they pull from.. This is scary because 555 is a big differance from 711.. Can someone help?

 

Thanks so much!Smiley Surprised

Message 1 of 5
4 REPLIES 4
marty56
Super Contributor

Re: Help Questions about score

Welcome to the forum.  TU and EX opffer what is called FAKO credit scores which are not used by anyone.  You can ignore them and the advice they offer to improve your score.  Here and EQ are the only place to get FICO scores.
1/25/2021: FICO 850 EQ 848 TU 847 EX
Message 2 of 5
haulingthescoreup
Moderator Emerita

Re: Help Questions about score

Hi, welcome to the forums!

The scores that you get directly from Transunion (TU) or Experian (EX), along with scores you get from credit monitoring services like freecreditreport-dot-com, TrueCredit, CreditSecure and the others, are what we call FAKO's. Sad to say, many have realized that consumers know they should know their "scores", but they don't bother to tell them that it's their FICO scores that are used by most lenders. So they make an easy buck off of you by selling their home-grown variety.

Equifax (EQ) will sell you your EQ FICO from their site. But the scores that come with their 3-in-1 monitoring are also FAKO's.

So congrats on having your FICO's so much higher than your FAKO's!

Here is more info that we recommend that all new members read, and not just about FICO's-vs-FAKO's:

Credit Scoring 101 (the first main post, anyway)

Understanding Your FICO Score --this is a 17-page pdf booklet, but I would heartily recommend printing it out and keeping it handy as you start to get familiar with this stuff. It's handy to use for scribbling notes.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 3 of 5
Anonymous
Not applicable

Re: Help Questions about score

Thank you so much.. I was so scared. When I saw my exper on their site at 555 I said OMG what is this and TU on their site was 520 and EQ was 522. I said I am never going to be able to fix this. Then a friend told me about my fico and my scores were not that bad.

 

652  Equifax
711 Experian  
647 TU

These are from My fico

 

So I will not worry about the ones on the CRA and know that these are my true scores...I just dont believe the differance in the scores.. It is crazy!

 

Thank you so much for your help!

 

 

Message 4 of 5
haulingthescoreup
Moderator Emerita

Re: Help Questions about score

That is definitely one of the wider spreads I've seen!

We're glad you found us.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 5 of 5
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