Huge difference between scores from different sources

[Anonymous]

OK, here's my situation. The other day I got the free trial of Chase ID protection, and to my suprise, the scores are:

• Equifax credit report is 710 on a scale of 150-930
• Experian credit report is 699 on a scale of 150-930
• TransUnion credit report is 699 on a scale of 150-930

However, the Providian credit account which offers free credit score shows 810.

And here at myfico.com, the score is 790.

I probablly will buy a house later this year (that's why I registered here), but which score is the one that is being used at the time of applying mortage? I am really confused.

Thanks for help in advance.

[Anonymous]

Easy- Ignore the scores from Chase ID-

You will be fine with your FICO scores-

The WAMU PFICO puts CC's with a little more weight- 20 point difference,  WAMU also uses a newer version (2004) of the FICO score than myFICO does.  

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masupra wrote:

OK, here's my situation. The other day I got the free trial of Chase ID protection, and to my suprise, the scores are:

• Equifax credit report is 710 on a scale of 150-930
• Experian credit report is 699 on a scale of 150-930
• TransUnion credit report is 699 on a scale of 150-930

However, the Providian credit account which offers free credit score shows 810.

And here at myfico.com, the score is 790.

I probablly will buy a house later this year (that's why I registered here), but which score is the one that is being used at the time of applying mortage? I am really confused.

Thanks for help in advance.

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[Anonymous]

Thanks for the reply. I am relieved now.

best regards