I am trying to purchase a home and I checked my scores before applying for a loan. On myfico.com TU was 692 and Equifax was 655. On the experian site, experian was 695. When the broker called me back he said that my scores are 655 for Equifax, 659 for TU and 680 for experian so he is using 659 the middle score which he got from FA CREDCO. On the transunion site my score for TU is 743. This is just not right, all these variations. How can a score from 1 company be from 659 to 743? All these are reputable sources where I got them. What is more accurate then the credit bureau itself? Can I do anything about this?
The scores you get from the three bureaus are worthless for your purposes. The scores form myfico.com are the only ones worth anything, and even then, aren't specifically tailored to your specific situation--FICO offers different scores for different scenarios (mortgage, car loan, etc.).
The score you got from Experian (695) is a FAKO. They don't even sell their FICO scores to consumers anymore. It sounds like the Equifax scores are dead on, and then the FICO-based TU scores are different by about 30 points. Squidzilla is right, FICO also offers "industry option scores" to lenders for specific things such as mortgages or auto loans, so that could be one reason for the discrepancy. These scores aren't available to consumers either and there's really no way to tell if a lender is using one.
