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Updated over 12 years ago on . Most recent reply
myFICO.com score. Is it accurate??
I got my credit scores from myFico.com. My scores are as follows:
TransUnion: 773
Experien: 778
I called one of the business credit companies because I am thinking of obtaining a business loan and the manager told me that MyFico reports inaccurate scores. They are usually 60 points more than the actual score because the credit score companies like TU and Exp pay them a monthly fee. If ordered a credit score from Experien, then my score would report 60 points lower (Ex. Experien Score would be 718 instead of 778). Is that true??
Before I go crazy ordering credit scores from various companies, please let me know if you (or someone you know) have experienced this is different credit score companies. Should I order credit score from other companies??
Any suggestions are greatly appreciated!
Most Popular Reply
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Lokesh,
My FICO.com is run by the Fair Issac Corporation. They are the maintainers of the "FICO" scoring system within the credit world. The site is a legit company. The score they are giving you are based on their scoring model. FICO is used by 90% of companies that will pull your credit report. When you cann the individual credit agencies, they will tell you myfico.com is wrong because they want you to subscribe to their scoring products which are FAKO scores and will dramatically overinflate your actual credit score. I would stick with My FICO if I were you.