What is your score difference between MyFICO vs. FAKO True Credit

[Anonymous]

Most of us use both Truecredit and MYFICO to monitor our credit reports and scores. I wanted to survey the difference all of you are having between the two. I wonder do they ever catch up or is there a pattern we can gather from all of this. In my case TC shoots up a lot faster than myfico. I wonder if maybe it foreshadows what is coming or there is a huge difference in the modeling. Sometimes I see a huge boost from TC and pull a score power report to be disappointed with little or no score change at myfico and other times there is a big boost.

My differences are as follows:

MYFICO    vs        Truecredit

TU difference of  39 points

EX difference of  40 points

EQ difference of  45 points

For me the average difference is about the same with truecredit being the higher scores. I hope ofcourse that Fico will eventually go past TC Fako scores. What has been your experience so far?

[MercyMe]

'Mornin', LadyFico.  Is all of your info the same, within the three CRAs?  I monitor all three, as my bank uses Experian (which is always my highest score), and Equifax is usually the lowest.  TU, falls in between, usually.  And it pretty much depends upon who reports what to the CRAs.  Right now there's a near 100 point spread between Equifax and Experian/TU, as the medical collections aren't on TU and EQ.  Also, I've noticed, over the course of a year now, that they all use a different "sliding scale" if you will.  

I also tend to wonder if they don't, on occassion, move "the bar" based upon national averages.  Perhaps Barry or Brammy, or someone can shed some light on this?  IE:  If the new national average is 700 something, then the low to mid 600s aren't as good as they were when the national average was say, in the 670s?  There seems to be a pattern here.

Regardless, though my score may be way different, between the three CRAs the  percentages are similar.  Such as:  TU: 626  had me in the 30 percentile range -- 30% higher than everybody else..  EX:  676 had me in about the 33 percentile range, though the scores were substantially different.

Who can ever figure it out?

Happy day to you and yours.

[Tuscani]

40ish points for me (FICO is higher)

[Anonymous]

Well, I get the 3-in-1 from truecredit and I get the scorewatch here as well as ordering my EX score directly from them. That being said here are mine

          TC ------- FICO

TU     533 ------- 533

EX     511 ------- 556

EQ    570 ------- 520

Message Edited by Fritz on 05-12-2007 10:34 AM

[Anonymous]

OOPS duplicate post sorry

Message Edited by Fritz on 05-12-2007 10:35 AM

[Anonymous]

FICO              Fako

TU 602           TU 579

EX 630           EX 544 correction its 531

EQ 580          EQ 584

reports show exact same info.

Message Edited by dekrist on 05-12-2007 06:59 PM

[smallfry]

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@Anonymous wrote:

FICO Fako

TU 602 TU 579

EX 630 EX 544

EQ 580 EQ 584

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Is Experian reporting the same information as you found on your myfico EX report?

[Anonymous]

Mercy me,

I like that theory of raising the bar. Like someone said before going from a big fish in a small pond to a small fish in a big pond. As our profiles mature and consumers become more educated and move the average up a notch I believe we have to play catch up even more. So 650 isn't what it use to be and now we have to get to 700 because now the % has gone up in that category, that is where more people are now with their scores. We just got to get there I guess so we don't have to worry about it anymore! Let's say another 3-6 months for you and maybe 6-12 for me.

[Anonymous]

Tuscani:

Was it ever opposite for you? Or has your FICO scores always been higher? Is EQ bringing up the rear for you as well?

Message Edited by LadyFICO on 05-12-2007 02:35 PM

[Anonymous]

Fritz:

Yours is all over the place you are higher at one bureau with both products, then opposite with another then even. Are your reports showing the same data? I was hoping to find some sort of pattern but it seems hard to find one.