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Which scores

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Anonymous
Not applicable

Which scores

Just say your score reads 720 on credit karma for equafax. But then you run it on the official equfax website  , it states 752.  Who is more correct thx 

Message 1 of 8
7 REPLIES 7
Indycoltsfan
Regular Contributor

Re: Which scores

The official sites (EQ, EX and TU) are your true scores. Credit Karma and Credit Sesame are FICO variants, often referred to as FAKO scores.  Of course myfico is the accurate site for all scores (FICO, mortgage, credit cards and auto scoring)!

Message 2 of 8
HeavenOhio
Senior Contributor

Re: Which scores

You want FICO scores. You can get them from myFICO (at a cost), Experian, Discover, and others.

 

Credit Karma offers up VantageScores, which aren't used by lenders. Use Karma for its reports and alerts, but disregard the scores. TU also gives you VantageScores.

 

If I remember correctly, Equifax will give you a FICO score in addition to a score they've concocted on their own.

Message 3 of 8
ridgebackpilot
Established Contributor

Re: Which scores


@Anonymous wrote:

Just say your score reads 720 on credit karma for equafax. But then you run it on the official equfax website  , it states 752.  Who is more correct thx 


They are both "correct"; it's just that you're comparing apples and oranges. Credit Karma reports Vantage 3.0 scores, which aren't widely used by lenders. myFICO reports FICO scores, which are the most widely used in the credit business. To make things even more complicated, the Equifax website reports their own scores using a proprietary scoring model! Confusing? You bet!

 

Here are my EQ scores:  Credit Karma (Vantage 3.0) = 787; Equifax website = 674; myFICO (EQ FICO 8) = 725. Pretty big discrepancies!

 

Your FICO scores are the most relevant to most lenders, although some use credit reporting agencies other than Equifax. It's usually best to determine which agency a particular lender uses, and go from there. Good luck!

 

Message 4 of 8
Anonymous
Not applicable

Re: Which scores

so i just ran my score on experian , so thats the correct score i should go, by?

 

Message 5 of 8
Pikaboo-icu
Valued Contributor

Re: Which scores

You can get all three of your FICO scores, the scores that matter at this link for $1.

Just cancel within 7 days to avoid paying the monthly fee.

 

https://www.creditchecktotal.com/homepage8

 

cheersgif.gif

  


Message 6 of 8
SouthJamaica
Mega Contributor

Re: Which scores


@Anonymous wrote:

Just say your score reads 720 on credit karma for equafax. But then you run it on the official equfax website  , it states 752.  Who is more correct thx 


Neither.

Credit Karma's Vantage 3.0 is not a FICO score.

Equifax's proprietary score is not a FICO score either.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 7 of 8
Anonymous
Not applicable

Re: Which scores

None of the scores you have received so far are FICO scores, so they aren't meaningful.

 

If you get a score through Experian, chances are it is a FICO score, so it would be meaningful.

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