MyFico.com!? MyFico.com? I checked my Experian credit score on myFico.com today, and it shows

MyFico.com?

I checked my Experian credit score on myFico.com today, and it shows 569 (the other agencies are reporting score in the low-600's). However, when I checked my win on Experian.com, my score is presently 524.

2 different scores on alike day, from impossible to tell apart agency, except one of them is through myFico.com.

Why the discrepancy? Also, what score would a lender use contained by this scenario?

Thanks

Answers: myFICO.com gives you your actual FICO Score. The rack up you get from most Credit Reporting agencies is not the actual FICO Score, but their division. This is because Fair Isssac(the company that does the FICO Score) keeps this addition very surreptitious. It is a very complicated estimate and they will not share with any other company.

I beleive that Experian call theirs the PLUS Score. TransUnion calls their the TrueCredit. This is also why you probably get other scores from other companies. However, even beside FICO your score can change by as much as 20-50 points. That is why it is very impressive to make sure your report is accurate, and any inaccuracy you need to dispute and draw from corrected.

What did they say when you call to ask them?

Why the discrepancy? On the one hand, background doesn't travel instantaneously (so the Experian credit score provided by MyFICO.com can be base on data that be transferred over from Experian several weeks ago, while the credit score provided by Experian itself may be base on fresher data). On the other hand, not adjectives transactions get reported to adjectives credit bureaus (hence, the discrepancies between Experian and other agencies).

What score would a lender use? Depends on the lender. Some use organic scores from the credit bureau they own a contract with. Others augment it beside income, home ownership, and/or loan-to-value data they collect from your loan application. Yet others hold their own scoring models...