Hello All,
I'm newer to the boards and have attempted to find a post like this but I haven't so I'll throw my situation in and see what you think!
I signed up to have the myFICO score from the myFICO subscription last week. As of 10/31/2021, my FICO Score 8 score was 667. Several points lower than Equifax or TransUnion but I digress....
I ordered a Credit Report from Experian and of course for whatever reason they couldn't match the info I provided so I decided to use their phone system and order a paper copy sent directly from them. Fine. Cool. So I received the report and low and behold...as of 10/31/2021, my FICO Score 8 was 677. A whole 10 points higher than what myFICO has. I logged back in to the myFICO account and it is still showing a score of 667.
I. Am. Confused. Probably a silly question since I'm not attempting to apply for any credit right now or in the near future BUT....which score is the right one? Should the myFICO 8 from this account match the Experian Credit Report? Should I contact Customer Service? What should be my plan of action? I am trying to figure out how to increase my score over time but I am at a loss with this one.
One last thing - I have not used the Experian Boost - apparently I created an account several years ago and can't seem to remember my login info - so I'm in the process of mailing/reaching out to Experian to get it reset so I have not logged in to use the Boost program.
Thoughts? All answers/suggestions are appreciated.
