Why would I want this? A score model that isn't used by 3rd parties

[bdhu2001]

So I'm looking at some of the other score and monitoring sites and I come accross this little jewel

"Equifax 3-Bureau credit scores are based on an Equifax Credit Score model and are not likely to be the same scores used by 3rd parties to assess your creditworthines."

Okay the monitoring maybe good, but why provide a score that isn't used by anybody?

[Anonymous]

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@bdhu2001 wrote:

So I'm looking at some of the other score and monitoring sites and I come accross this little jewel

"Equifax 3-Bureau credit scores are based on an Equifax Credit Score model and are not likely to be the same scores used by 3rd parties to assess your creditworthines."

Okay the monitoring maybe good, but why provide a score that isn't used by anybody?

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To get people to buy their products?  A lot of people that aren't familiar just see a score and assume it's their 'real' credit score

[Anonymous]

I'm pretty sure Equifax uses FICO 04 for the score they provide on their website. 

[Anonymous]

Can you refresh your report daily on my fico?? Other reports you check are from the day of but here it just updates when there is a change.

[Anonymous]

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@Anonymous wrote:

I'm pretty sure Equifax uses FICO 04 for the score they provide on their website. 

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It depends on which product you buy.  The score power is FICO 04 but they also sell a score that is this EQ Plus score which is meaningless.

[bdhu2001]

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@Anonymous wrote:

I'm pretty sure Equifax uses FICO 04 for the score they provide on their website. 

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This is not the FICO 04 score or it wouldn't have advised you that 3rd parties do not use it.  In addition, the quote is from the mint site.

[Anonymous]

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@bdhu2001 wrote:

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@Anonymous wrote:

I'm pretty sure Equifax uses FICO 04 for the score they provide on their website. 

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This is not the FICO 04 score or it wouldn't have advised you that 3rd parties do not use it.  In addition, the quote is from the mint site.

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They had the same quote when I bought my score on score power. You could be right that the product the original poster is talking about doesn't use FICO 04 however. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I'm pretty sure Equifax uses FICO 04 for the score they provide on their website. 

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It depends on which product you buy.  The score power is FICO 04 but they also sell a score that is this EQ Plus score which is meaningless.

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The score power and monitoring score for me were both 677. DCU told me that was my FICO 04 score when I applied for a car loan today. So at least in my case both scores that I got from Equifax were the FICO 04 scores.