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myFICO and Equifax Scores Different?

New Member

myFICO and Equifax Scores Different?

My EQ FICO on here is 646, but I just got a denial letter for a Valero credit card and it says my EQ score is 578. I was really suprised when I saw such a huge difference. Is the EQ score that myFICO provides not the actual EQ score that lenders use? 

Message 1 of 3
Moderator Emeritus

Re: myFICO and Equifax Scores Different?

What were the ranges of the score?  It could have been a proprietary score, or a credit card enhanced score.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 3
Established Contributor

Re: myFICO and Equifax Scores Different?

Most people i've seen that have posted indicated that their Equifax score from myFICO matched perfectly to what the lender pulled.  That was the case of my wife and myself as's the same score.  But those were for mortgages. You're trying to get an auto loan so i'm guessing you got a type of score that shogun is suggesting in the post above.

Message 3 of 3