Why are my FICO scores so much lower than my scores pulled from credit bureau's?

[Anonymous]

FICO with Equifax is 621 but when I pull the score from Equifax its 688

FICO with transunion is 624 but when pulled from transunion it shows 710.

Are they calculated that differently?

Thank you for your help

Kassie

[Anonymous]

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@Anonymous wrote:

FICO with Equifax is 621 but when I pull the score from Equifax its 688

FICO with transunion is 624 but when pulled from transunion it shows 710.

Are they calculated that differently?

Thank you for your help

Kassie

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All 3 CRA's sell non-FICO credit scores (FAKO's).  Your creditors use FICO scores - which is what you obtain here.

[Anonymous]

What factors make up each one? I understand they are different, I guess I don't under stand why they have such a range. Sorry, thanks.

[haulingthescoreup]

Hard to say about the FAKO's. They pretty much only exist to separate consumers from our cash.

As for what goes into FICO scores, read some of the stickied threads at the top of forums. You might especially look at the link for the FICO Scoring Reason codes and the Education tab up at the top. Here's a sample: Credit Basics: What's in your FICO score

Welcome to the forums! It's a lot to take in all at once!

[llecs]

To add, FAKOs have different score ranges than FICO too. While most are close to FICO's (e.g. 350-850 for PLUS or 280-850 for EQ's FAKO), others are a departure from the norm. Vantage, for example, goes from 501-990 (and I think is found in your score from TransUnion).