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 Posted: Thu Jan 25, 2007 3:33 pm Subject: Which is Which? Credit Score or FICA? |
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I don't understand something and maybe someone can explain it to me. I looked at my credit scores and they say 613 but when I went to apply for a loan, the creditor told me my FICA score was 578. Which is which and which is important?
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Alexandra
Debt Samaritan
Joined: 10 Aug 2006
Posts: 561
Debtcc Points: 9852
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| Posted: Thu Jan 25, 2007 4:13 pm Subject: |
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It depends on which bureau they pulled your info from. Each bureau (there are 3) report different things, and have different FICO scores. That's why when you get a mortgage, they pull from all 3 bureaus to get a better idea of your credit worthiness.
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swedishgirl
Joined: 28 Sep 2006
Posts: 326
Debtcc Points: 3460
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| Posted: Fri Jan 26, 2007 12:01 pm Subject: |
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From what I understand, your FICO score is from Equifax. However, usually companies, depending on what you are applying for, will pull all 3 scores, and average them.
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toohotnky
Joined: 10 Jan 2007
Posts: 18
Debtcc Points: 578
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