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)!
@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!
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
@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.
