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Scores really really really far apart

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Anonymous
Not applicable

Scores really really really far apart

Hey everyone I am new here but I am really confused about  about something. 

 

Myfico equifax score is 684

My Trans union score from transunion.com is 635

My experian score from experian.com is 570

 

I do not know what I am missing here.  I don't think that they should be that far apart.  I think these should be fico and not fako correct.

 

Any help would be greatly appreciated

 

Thanks

 

Message 1 of 5
4 REPLIES 4
bigblue7722
Valued Contributor

Re: Scores really really really far apart


@Anonymous wrote:

Hey everyone I am new here but I am really confused about  about something. 

 

Myfico equifax score is 684

My Trans union score from transunion.com is 635

My experian score from experian.com is 570

 

I do not know what I am missing here.  I don't think that they should be that far apart.  I think these should be fico and not fako correct.

 

Any help would be greatly appreciated

 

Thanks

 


The last two scores are fako scores they are not true fico. The score you got from myfico is a true fico score or EQ 04. I would not suggest buying the tu score from here beacuse it is tu 98 and no lender uses it anymore so it is not a good judge of what a lender would pull even though it is a fico score. I would suggest with your scores looking at a walmart or barclaycard and get a free fico tu 08 which more lenders are starting to use so that score would be more useful. For ex you can buy it on here its ex 08 which is pretty similar to what amex uses for their I believe they also have their own internal score. I hope this helps I know its confusing!

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Message 2 of 5
Anonymous
Not applicable

Re: Scores really really really far apart

So transunion.com and experian.com or not true fico scores?  that seems quite misleading

 

Thanks for you help btw.

Message 3 of 5
bigblue7722
Valued Contributor

Re: Scores really really really far apart


@Anonymous wrote:

So transunion.com and experian.com or not true fico scores?  that seems quite misleading

 

Thanks for you help btw.



Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders.

Thats right from experian website at the very bottom in very small print lol. They do a great job in marketing though gotta hand it to them. And you are very welcome. 

 

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Message 4 of 5
user5387
Valued Contributor

Re: Scores really really really far apart

You may have different information on each report, or erroneous information that needs to be corrected.

 

Message 5 of 5
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