where to pull credit reports....

[Twiztedkonceptz]

I have pulled my credit report from three different places and they all had different scores,all within two days of eachother....the mortgage company said 480, a company called creditkeeper said 587, and experian direct said 528. I dont know which one to believe...can someone help me out with this? Thanks

Nick

[StaciMM]

You want to go with FICO (myfico.com). Many companies, including each of the bureaus, use their own scoring system so yes-everyone will give a different #. Its a little like assessing art: each person has their own interpretation.

FICO is the most commonly used, though that doesn't mean it is used in every credit decision. Generally, subprime mortgage lending (which is what you're dealing with post bk) will go by the middle FICO score of your 3 bureaus. Transunion, Equifax, and Experian will all have different FICO scores-how much they vary will depend on what is in your file. (The info is not always the same for all 3.)