Differences with MyFico.com and Credit Report.com

[jJimmy11111]

He folks.....

I just signed up to My Fico.com and it shows my score at 709. It only gives Equifax.

On Credit Report.com my Equifax score is the lowest of the three at 609.

I got both reports within 10 minutes of each other.

Any idea why the two different .coms would show my equifax score at 609 and the other at 709.

As you know...........these darn things are expensive to obtain.

Many thanks.


.

[wayne-o]

creditreport score is probably a fako..... the only place you can be sure your getting your true fico score is myfico . com i get scores from truecredit and when i compare them to my real ficos truecredit is also lower

[jJimmy11111]

Weeeeeeeee

Wayne......thank you...........So my Equifax is really 709 instead of what I thought, 609...............

Now I don't feel so bad about wasting the money to get these reports...........Now I'm off to buy their $50 package to get the three reports and scores...........

An expensive evening........

Thanks again.

[jp2861]

That's alot of money to spend just to chase your scores. I'd be more concerned about the data in the report moreso than the scores. If the data is correct that's what important.

Now my question: What do creditors look at? Do they pull scores from the myfico site or use another site?

If someone has some stats or backup that proves creditors use the myfico site then it might be worth tracking your score there. If creditors are pulling scores from various sources then spending money at myfico would be a waste.

[cali girl]

That's alot of money to spend just to chase your scores. I'd be more concerned about the data in the report moreso than the scores. If the data is correct that's what important.

Now my question: What do creditors look at? Do they pull scores from the myfico site or use another site?

If someone has some stats or backup that proves creditors use the myfico site then it might be worth tracking your score there. If creditors are pulling scores from various sources then spending money at myfico would be a waste.

Ditto, Ditto, Ditto.

[movingon]

90% of creditors pull FICO scores. This was via my local credit repair agency who is assisting with cleaning up my report. To determine where I currently stood, they pulled a credit report from a mortgage company affiliated with them. The scores were the same that I pulled from myfico two days prior.

FAKO scores are only good for trending purposes (in my opinion); also, for those credit maniacs who need to pull their credit score every other day they can use truecredit, which has no limits on pulling your score, and its a soft pull...however, its still a FAKO score.

[cali girl]

I went on myfico.com and realized that I had already gone on there and apparently they couldn't verify my identity. I hate when that happens.