MyFico

[shllby1]

Is this the actual Fico score? According to my CR's and the ones I got from there they are different from myfico?

[Ahntara]

FICO=Fair Isaac Company, the originators of credit scoring software.

The number you obtain from them is actual. So are other numbers you obtain from other places. None of them are what a lender receives or uses. (I've heard there is an exception to that, but it's rare) Lender obtained scores are skewed to their particular industry/type of account. That's why qvetching over the number is futile. As long as you use the same program to gauge your process and understand that the number you are familar with is different from a lender's, you should be fine.

[Lisa0825]

MyFico is a division of Fair Isaac, according to their website, so scores you get from them are actual FICO scores... again, according to what they say on the website. Someone with more experience here may have a different opinion, but that is what I read when I used their service, and the score I got from them did indeed match up to the score I got when I got an actual credit report from either EQ or EX. I don't recall which; it was a few months back.

[shllby1]

Thanks.

[pilgrimfaraway]

The score you get should be similar to the score your creditor is looking at, but it can differ. Last 2 times I saw the numbers that a loan officer pulled, 2 of 3 CRAs were dead one, the third was off by less than 5 points. I've heard that the auto-enhanced model can differ more significantly, weighing the last 2 years more heavily and probably putting heavier weight on installment credit, for example.