Equifax uses FICO??? Does that mean EQ is not FAKO?

[ilovemycaitybug]

I read this in the "Anatomy of a Credit Score" sticky on the Rebuilding Credit section:

"When you request a free credit report, each bureau will offer to calculate a credit score for $6.95. Experian and TransUnion use proprietary formulas; Equifax uses FICO scores."

So, I joined TrueCredit and saw the scores below. I was shown my score (I assume it's FICO) in my pre-bk education paperwork and it was only 450. So... can I assume that Equifax has accurate FICO scores? I can't imagine my scores have increased that much especially before discharge.

[FilingOnMyOwn]

Equifax may or may not be the same as a fico score. Maybe sometime in the near future I will purchase both scores from equifax & my fico to see if this is true. However, if it is true, it may just be the equifax report that has a fico score, and it could be if you purchased the 2 other bureaus scores from them that they would not be fico scores too...

[ilovemycaitybug]

I don't think the other two are FICOs... and the reports I've read on this are old. I am just curious because I cannot see any way that my credit score could have increased that dramatically after filing b/k. If so, that's wonderful! But I'm not holding my breath. I think I'll order my FICO after discharge just to see how they compare since I'm really wanting to get a new car at that time (my current upside-down car is slowly getting problems and I've still got 2 1/2 years left to pay on it ).

[FilingOnMyOwn]

Update

Equifax may or may not be the same as a fico score. Maybe sometime in the near future I will purchase both scores from equifax & my fico to see if this is true. However, if it is true, it may just be the equifax report that has a fico score, and it could be if you purchased the 2 other bureaus scores from them that they would not be fico scores too...

I used both equifax scorewatch and myfico today, and both scores came in the exact same @ 749 for the equifax score. Here is a link for equifax scorewatch with the accurate equifax auto-updating fico score for $6 a month. http://www.coastalfcu.org/credit_reports.htm