Fico and Credit Agencies score

tlanum · Joined: 17 Nov 2006 Posts: 7 3.95 Dollars($)

I have learned that viewing scores from the credit agencies through subscriptions are different from fico. WHY??

example.
Online through subscritption
TU 650
Exp 620
Efx 700

Lenders See
Beacon 500
Fico 474
Empirica 540

SHARLEE2004 · Posted: Sun Nov 19, 2006 11:15 am Post subject: Credit Score

The agency you are subscribing is 'fee based'? These scores may not be based on number of tradelines or number of inquires. The score is not evaluated for a loan.

The lender's report is scored on several factors; number of inquires, tradelines open and used. Payment history, etc.

See my BOLG:

Good Luck![url]"http://ifixmortgages4u.blogspot.com/"[/url]

[Link deactivated as per forum rules. Thanks.]

tlanum · Joined: 17 Nov 2006 Posts: 7 3.95 Dollars($)

Thanks Sharlee2004 for the info

Guest 0.10 Dollars($)

I am no expert but I can tell you- myfica.com is closest, BUT mortgage lenders scores are always different no matter where you pull them, sometimes beter sometimes worse, I know not what you wanted to here, but I have tried soft pulls for a year and my mortgage scores were 20 points higher than the scores pulled from myfica the day before-Bws

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