Why are my scores to different...

[Andy77]

When I pulled my EQ score through My Fico my score was 603

When I pulled my score directly from Equifax it was 548

Why are they so different and is one not correct?

[llecs]

One is a FICO. The other is a FAKO

[Andy77]

So, I suppose the score through my fico, even though it's an Equifax score is not accurate?

When Citi sent me a denial letter for a CLI, it said my Equifax score was 616

So, how I have the lender telling me my score is a lot higher then what the acutual credit bureau is saying my score is...very odd

[Revelate]

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@Andy77 wrote:

So, I suppose the score through my fico, even though it's an Equifax score is not accurate?

When Citi sent me a denial letter for a CLI, it said my Equifax score was 616

So, how I have the lender telling me my score is a lot higher then what the acutual credit bureau is saying my score is...very odd

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Got it backwards actually

myFico's EQ score is EQ Beacon 5.0.  There's 2 (or more) products on EQ's site directly, and one is known to be a FAKO.

As for the lender's pull, non-zero chance that it was credit-enhanced and may have been FICO '08 (Beacon 9.0).  In any event, ignore the score you pulled from Equifax, both the myFico score and the Citi ones are both legit though likely slightly different versions.