@mikeymike1994 wrote:I tend to disagree with the notion that there isn't necessarily a right or wrong score. If most creditors (supposedly 90%) are looking at FICO scores, then FICO scores are what you need to concentrate on. In addition, depending on what you are trying to do (buy a house, buy a car, get a credit card), you need to look at what your FICO score is for that particular version. When you look at your Myfico.com report, there is a tab for Other FICO Versions and it will explain to you what those other FICO versions are used for (mortgage, auto, credit card, etc.). You will be able to see your scores for each of those versions. I had a couple of mortgage companies pull my credit and the scores they pulled matched exactly what the FICO Mortgage version of my latest Myfico.com report said it was.
If you know what your lender is pulling sure, like in the mortgage world. Problem is lenders could be using any FICO (and there's a bunch although there's probably only 18ish in common use out of the 50+ that one could possibly buy), or they could be using Vantage, or they could be using an internally developed score.
End of the day the report data matters, I track my scores for testing purposes with my overly geeky hobby but I really don't need to outside of that.
