Which score is real?!

[egaithe]

With all of the agencies and different monitoring companies, which one can I rely on to say "This is my score" and pretty much be dead on? All of this is confusing me. If I applied for a prime credit card, what are they pulling and from where? Thanks in advance.

[SouthJamaica]

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@egaithe wrote:

With all of the agencies and different monitoring companies, which one can I rely on to say "This is my score" and pretty much be dead on? All of this is confusing me. If I applied for a prime credit card, what are they pulling and from where? Thanks in advance.

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Different banks use different bureaus and different FICO models, so there is no one thing you can rely on as "my score".

[egaithe]

This blows.  Thanks.

[Anonymous]

If we define "real" as the score most likely to be used in credit granting decisions, it would be Fico 8. Thus if you want to settle on one as "your score" that would be it. But, as noted by SJ, there are a lot of different flavors of scores from a lot of different providers.

[egaithe]

who offers that? Right now I have myfico 3B and one from Equifax.

[Anonymous]

MyFico 3B should give you your 3 FICO 08 scores.  Since your 3 scores come from 3 different bureaus they are likely all not the same.  So you basically have the most popular (used) version of your 3 bureau scores right there.

[Bankrupt2019]

they're all real! myFICO 3B gives you all of the most important ones. Including the 8, 9, auto and the older mortgage scores.

[egaithe]

ok, cool. Equifax's scores are significantly lower than myfico. That really bothers me.

[Revelate]

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@egaithe wrote:

ok, cool. Equifax's scores are significantly lower than myfico. That really bothers me.

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Depends which version you have; their Scorewatch/ScorePower products are FICO 04, the revision prior to FICO 8 and explicitly the one used in the vast majority of mortgages underwritten in the US.  (EQ Beacon 5.0).

If on the other hand you have the educational score they peddle, get rid of that product imo: you can get the report access from CK weekly for free and the score is worse than useless.