High credit score, low Fico score

[Anonymous]

My three credit scores are each over 800 but my Fico score is only 730. Why would it be so low?

[Anonymous]

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@Anonymous wrote:

My three credit scores are each over 800 but my Fico score is only 730. Why would it be so low?

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Your credit scores from where? Please elaborate

[Anonymous]

Experian, Transunion, Equifax.

[Anonymous]

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@Anonymous wrote:

My three credit scores are each over 800 but my Fico score is only 730. Why would it be so low?

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730 is the score most lenders use, according to FICO anyway. The other scores are mostly for entertainment purpose, as in humor me.

[Anonymous]

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@Anonymous wrote:

Experian, Transunion, Equifax.

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If they are showing 800, and you have a true Fico score that is 730 than you are not getting Fico scores from them.

[Thomas_Thumb]

My guess is the scores are not from but rather based on date from each of the 3Bs. I would further speculate they could be derived from the VS 2.0 model which has a score range of 501 to 990. IYou can still get 3B scores based on the VS 2.0 model (through TransUnion?).

[Anonymous]

I pulled the Fico score from the Equifax site. Is there another way to pull it?

[Thomas_Thumb]

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@Anonymous wrote:

I pulled the Fico score from the Equifax site. Is there another way to pull it?

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You can always get Fico scores from MyFICO. I purchased their 3B report which provides you with Fico 8, Fico 4 and industry specific Fico 8 Auto, Fico 8 bankcard scores from all three CBs. A few other Fico scores are included in the report as well. All scores are based on data within each CB's report.

It is worth considering as a one time purchase to get good granularity on scores relative to your specific profile..

P.S. EQ offers a ScorePower report/score that IS a true Fico 4 (Beacon 5) score used primarily for mortgages. I believe most 3B Fico summaries are Fico 8 - which is a different Fico scoring model (I score higher on Fico 8 than on Fico 4). That could also be a reason why your reported EQ score is lower.