FICO versus Credit Score Questions.

I am curious how far off the FICO score is from the 3 Credit Credit Scores through Equifax, Transunion, and Experian??

I have an Equifax account, as I don't trust those other sites Like Credit Karma, though CK is very good for learning from others and sharing reviews, but i don't trust their credit scores , so I am signed up directly to the One Scoring Agent (Equifax)

I know we have some car salesman here and maybe some realtors , and if anyone else can chime in and help me out i would appreciate it!

Again question is, How Far off is FICO score from the Score you get from the main 3 Credit Scoring Agents I listed above. And is it always lower? and By How Much?

bump

i thought fico and credit score were essentially the same?

yeah i thought it was too, but i keep reading that the 3 scores we can acess through the 3 companies i listed above are usually different then what a mortgage company pulls up or some shit like that, just trying to understand it better, like i said i know my 3 scores from equifax, transunion, experian, but im thinking theirs something else, atleast i thought their was lol, maybe im wrong

Fico is your credit score. However there are different scores depending on who is pulling your credit. An automobile dealer can pull either Auto Beacon 5.0 or Auto Beacon 9.0. They rate risk of buying a car depending on your credit history differently than say a Broker that pulls your credit buying a house.

Quick story... I sold a car to a realtor once who brought a copy of her credit score she pulled that day. she was close to an 800 credit score. I pulled her credit via Equifax and gave her the Auto Beacon 5.0 score and it was over 100 points LOWER. She freaked out and I had to explain to her the differences.

This doesnt even touch on the differences in the three credit bureaus. I've seen huge swings in the people's credit scores over the years. It all depends on who reports what to whom.

Hope this helps explain a little bit.