Why the difference in scores

[gophermn]

My wife and I are using TruCredit. I never heard of the site until I visited this forum. I spent 99% of my time in the CH7 forum so we now graduated to the "rebuild credit" forum.

Why is it that Tu and EXP show my credit score almost 120 higher than Equifax? Is this normal? It's almost like you want to send Equifax your credit scores and say "HELLO - playing catch-up"

[magyar123]

Please remember that some creditors only use one, some two, and some all three to report you to. If you pull all three at once you will notice that.

[BK2008]

Because Trucredit are FAKO scores...

The only CRA that gives you an accurate score is Equifax.

If you want all 3 accurate scores, go to www.myfico.com to purchase all three real scores. These are the ones the lenders generally look at, not TruCredit or Vantagescore (their propriatary scoring models).

You can check out myfico.com's forums for more information.