I use privacy guard. I know the scores are real fico scores but my difference is huge on Equifax!! PG says my Equifax score is 672, but when I ordered my score through Equifax they said it is only 616. Why such a big difference?
The PG score should be close to what the CRA score is, but every CRA can modify their model. You may want to compare the PG 'factors' report, with the CRA's 'factors' report (These are the factors which affect your score the most) maybe there is a type of factor in one, which isn't in the other. Or maybe a negative popped up between the two score dates, or a balance or utilization went up, etc.
Maybe it was a typo, but the PG scores are NOT real FICO scores. My PG EQ score is 624, and my FICO is 659.
Both reports are exactly the same. The factors are pretty much the same, just worded a little different. I don't have any credit cards either. I just don't get why my fico is so much lower than PG. I can see being off a few points, maybe even 20 but over 50 just doesn't make sense.
