MyFico EQ Score

[Anonymous]

I know that lenders look at three agencies to determine your credit worthiness.  On myFico, it calculates my score with Equifax only. If my score is in the high 700 how will that translate to all three agencies when scoring my credit?

[MarineVietVet]

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@Anonymous wrote:

I know that lenders look at three agencies to determine your credit worthiness.  On myFico, it calculates my score with Equifax only. If my score is in the high 700 how will that translate to all three agencies when scoring my credit?

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Hi there and welcome.

Each CRA calculates your score a bit differently plus it is very rare to have exactly the same information across all 3 CRA's so that also can make a few points difference. Also you can get your TU (Transunion) FICO score here. It's the older TU98 version but many lenders still use it.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

Thanks for the reply, can I at least expect high scoreing or its really that much of a gap in how the three calculate?

[MarineVietVet]

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@Anonymous wrote:

Thanks for the reply, can I at least expect high scoreing or its really that much of a gap in how the three calculate?

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There seems to be no rhyme or reason to it all. Some folks scores are all very close. As you can see by my scores TU doesn't seem to like me as much as the other 2. 

But I would hazard a guess that all yours will be fairly close together. However until you pull them you can never be sure.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

Ok, didnt notice your scores below. thanks for the input. Looking to get clost to 4%... currently at 6.25... boooooo.

[GregB]

First step is to make sure that the data is the same or at least very similar for the three CRAs. That will help to make sure the scores are similar. Obviously, if you have a negative that only shows up on one of the others then that score will be much lower.

You can check your reports once a year for free at annualcreditreport.com. Just don't waste any money there on meaningless scores.