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Why are my scores so drastically different?

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stevehbold
Valued Member

Why are my scores so drastically different?

The score I have currently from equinox here on my fico is 672. But I also bought a score from equifax directly and they have my score as 579. So what is my real score ? Why is the score here 100pts different then the one from the same CRA? Any thoughts or help is appreciated. Thanks.
USAA Amex 0/4000 USAA MC 0/4000k
Barclays apple 0/2000- recon'd from 1300 to 2k
Discover More 250/1700cl Capital One 0/500cl Amazon Store 0/600 Orchard 0/320 Paypal Smart Connect 0/300 Amex zync 500 auto pay
Ex 699 7/12 CU pull -auto loan beacon 5
EX FICO from AMEX-657
Eq 688 6/12
Tu 679 6/12
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MarineVietVet
Moderator Emeritus

Re: Why are my scores so drastically different?


@stevehbold wrote:
The score I have currently from equinox here on my fico is 672. But I also bought a score from equifax directly and they have my score as 579. So what is my real score ? Why is the score here 100pts different then the one from the same CRA? Any thoughts or help is appreciated. Thanks.


The EQ score from here is a true and accurate FICO score. It is called an Equifax Beacon 5.0 score. When you go to the Equifax website you have to be careful what you buy. EQ has begun selling their own proprietary "Equifax Credit Score" and this is NOT an EQ FICO score.

 

Equifax will still sell you a FICO score from their website but you have to look very hard to find it. You can get to it here: www.equifax.com/web-myfico-products/

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

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