score differences

Discussion in 'Credit Talk' started by ghostgirl, Jan 25, 2007.

  1. ghostgirl

    ghostgirl Active Member

    I purchased my score through Experian and also through True Credit. My experian score varies by 50 points.

    Is this common? How do I know which one to go by?
     
  2. ontrack

    ontrack Well-Known Member

    Are they all FICO scores?

    You can only compare FICO to FICO.

    Not FICO, who knows what it means?
     
  3. ghostgirl

    ghostgirl Active Member

    I see that TrueCredit is not FICO. Frustrating.

    TrueCredit is saying that my Equifax score is 640 and DH's is 621, but the auto dealer who pulled that report and then denied us said our scores were mid to low 500s.
     
  4. Msbigbones

    Msbigbones Well-Known Member

    I noticed that too!!
    My EX score is 30pts lower than the one I got from myfico.com. TRANS and EQ scores are off by 1-10 pts. I pulled reports within 24 hours of each Whats the deal?
     
  5. junkie

    junkie Member

    >>but the auto dealer who pulled that report and then denied us said our scores were mid to low 500s.<<

    This would be taken from an auto scoring model based on your credit report.
    There is no way to see what this score is until it is pulled by a dealer and he/she tells you what it is. Frustrating....
     
  6. Tinksmama

    Tinksmama Well-Known Member

    OMG, I just pulled my husband's scores through the myFICO site, there's a huge difference! So now is what I see on FICO what it truly is as opposed to what I was seeing on TrueCredit?

    On Truecredit they read

    Transunion 692
    Experian 655
    Equifax 605

    On FICO they read

    Transunion 688
    Equifax 673
    Experian 699
     
  7. Msbigbones

    Msbigbones Well-Known Member

    Yeah, I really don't get it! I think that TC scores are FAKO and not FICO.
     

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