My FICO vs Equifax?

hpotterfan77 · ‎04-01-2020

Sooo, my Fico has my Equifax score at 514 however when I pull the report directly from Equifax, it states a score of 569? Which is right? I know Eq has their own scoring models but I'm trying to figure out what my real Eq fico score is because I don't think myFico is right.

Starting Scores (9/19): EQ - 474/TU - 528/EX - 502
Current Scores (09/22): EQ - 617- TU - 638/EX - 647
Comenity M/C - $6730.00, BJs Perks MC - $2800.00, Credit One - $1200.00, Credit One - $800.00, NFCU -$6300.00, Care Credit - $5000.00, William Sonoma - $3500.00, Overstock - $4100.00, Pottery Barn - $2000.00>

SouthJamaica · ‎04-01-2020

@hpotterfan77 wrote:
Sooo, my Fico has my Equifax score at 514 however when I pull the report directly from Equifax, it states a score of 569? Which is right? I know Eq has their own scoring models but I'm trying to figure out what my real Eq fico score is because I don't think myFico is right.

You're comparing apples and oranges; the Equifax score is not a FICO score.

The Equifax FICO score provided on MyFICO is "real".

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 684 EX 685

Girlzilla88 · ‎04-01-2020

Your MyFICO will be the most 'up to date' as possible with everything it can That's why sometimes when you pay certain things down you may see a decrease in score since it adds additional information as well that you may not be considering at that point (just expecting it to increase)

(12/2018 REFI) 2017 Chevy Malibu -Ga's Own CU 60 months @ 3.49%

Y2K Home -PennyMac FHA 30/yr @ 3.875% (05/2019)

hpotterfan77 · ‎04-01-2020

Call me crazy but I find it hard to believe my Equifax FICO Score hasn't moved even 1 point since January for everything that has changed on my report since then. I just don't. And yes, as I said in my original post, I know the Equifax score is not a FICO Score however they are mighty far apart in the numbers. It just doesn't smell right...lol

Starting Scores (9/19): EQ - 474/TU - 528/EX - 502
Current Scores (09/22): EQ - 617- TU - 638/EX - 647
Comenity M/C - $6730.00, BJs Perks MC - $2800.00, Credit One - $1200.00, Credit One - $800.00, NFCU -$6300.00, Care Credit - $5000.00, William Sonoma - $3500.00, Overstock - $4100.00, Pottery Barn - $2000.00>

Girlzilla88 · ‎04-01-2020

Sometimes my EQ would be like 3 months behind even with the SUB I just hated it...I never knew what was right/updated. So I just stick to the MyFICO when it comes to 'most current'

hpotterfan77 · ‎04-01-2020

3 months? Geez. They need to get it right over there...lol

Starting Scores (9/19): EQ - 474/TU - 528/EX - 502
Current Scores (09/22): EQ - 617- TU - 638/EX - 647
Comenity M/C - $6730.00, BJs Perks MC - $2800.00, Credit One - $1200.00, Credit One - $800.00, NFCU -$6300.00, Care Credit - $5000.00, William Sonoma - $3500.00, Overstock - $4100.00, Pottery Barn - $2000.00>

Anonymous · ‎04-01-2020

There can be huge variances between Fico scores and non Fico scores. So it isn’t that one is right and one is wrong.., apples to apples oranges to oranges.

Anonymous · ‎04-01-2020

If you haven’t pulled the 3B from my Fico in the past week, might be worth pulling again.

Youre also entitled to a free copy of all 3 bureaus via annual credit report.com