FICO Survey:Eloan vs. Equifax score

Discussion in 'Credit Talk' started by cosjef, May 10, 2001.

  1. cosjef

    cosjef Well-Known Member

    Eloan: 683
    Equifax: 576

    How is a 100-point difference possible? Anybody know what lenders use the eloan CreditXpert data, if any?
  2. Concerned

    Concerned Well-Known Member

    experian seems to be who they use.
  3. breeze

    breeze Well-Known Member

    It was experian, for me, not equifax.

  4. Jim

    Jim Well-Known Member

    Experian here too.
  5. MiamiBlues

    MiamiBlues Well-Known Member

    My E-loan score was 645, yet my Experian score was 575.

  6. Momof3

    Momof3 Well-Known Member

    Experian for hubby and I as well, way off too.

    Mine 704 for eloan, true score 673
    Hubby 696 for eloan true score 617 yikes.

  7. CCMAN

    CCMAN Member

    I am new to this board and I must say I am loving the great info I have been reading.

    As for scores

    Eloan shows me with a score of 629

    equifax 599

    I just don't understand how it can be off by 30 points

    No wonder why I keep getting denied
  8. Momof3

    Momof3 Well-Known Member

    Eloan pulls from Experian, BUT they use their own scoring model not Experian's, and as most of know our true scores can range quite a bit. But eloan is NOT an accurate score, as with most of us they tended to score higher than we really are.

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