Need help understanding Fico scores

[Anonymous]

Experian site the Fico 8 my scores are Experian 621, Equifax 621, TransUnion 636.... On Equifax site they said my scores was Equifax 536, Experian 478, TransUnion 504.…..which site do I go by? Is there anyway I can find what my Fico 9 score is? What scale does Navy use?

[Anonymous]

Experian scores are your real FICO 8 scores. 

Equifax has their own proprietary scores that are just as meaningless as the VantageScore provided by Credit Karma, WalletHub, etc. 

For FICO 9, you would have to purchase from myFICO and that’s a bit pricy when most lenders use FICO 8. Assuming NFCU used your FICO 9 for denial (they have been doing weird things lately with scores, they used TU98 to deny a CLI recently which is bonkers and they have their own reputation score they sometimes deny solely based off of too), you will get it on your letter. 

If you want to see all of your main FICO scores across the three bureaus, you can pay $29.95 for the quarterly FICO Advanced subscription here and then cancel it but that’s a lot of money if you’re not going for a mortgage. 

https://www1.myfico.com/products/fico-scores-quarterly-credit-reports-monitoring?bc=1

[sarge12]

Fico 9 provided with wells fargo credit card. Equifax 08 provided with Langley FCU membership and checking account. TU fico 08 provided with discovercard. Discover's creditscorecard.com gives free monthly Experien fico 08. Experian monthly fico 08 also available at usa.experien.com free to everyone. Citi credit card gives you an equifax fico Bankcard 08, which tops off at 900, so it will likely be higher than regular fico 08. Barclaycard also provides free TU fico 08, Amex used to provide free fico 08, but now just that lousy vantage 3.0. Bank of America credit card gives free TU fico 08. Chase and Capitalone both provide the useless vantage scores. These are all the sources for free fico scores and where any updates to my scores below come from. Have had multiple free sources for TU and EX, but finding a place for the free equifax fico 08 was tough, and only found out in these forums the Langley credit union source.

[HeavenOhio]

AMEX still offers the Experian FICO 8 score, but it's buried. If someone can't find it, simply ask here. There are plenty of people here who'd be able to offer directions for finding it.