FICO Score

Hi waterlu, the scores that you obtain form the different credit bureaus are likely to vary as they all use their own blend of determinants while computing the score.

This is also because that the lenders don't report to all the 3 credit bureaus together.

However, I don't feel that you've any reason to panic right at this moment, but if the difference widen further then may need to report it back to the particular agency. Just keep an eye on it.

Hello waterlu3

Tweety is rite, as all your creditors do not report to a single bureau,the information the three bureau will have in their files will differ from one another. In my opinion u should keep a watch on your reports regularly and keep a watch on any error.

Nelly

When I pulled the report from all 3 credit bureas through true credit they are within 10 points of each other. Perhaps I don't understand FICO scoring? Thats why I was concerned that the FICO is a 50 point difference.

FICO is the only score to concern yourself with, not vantagescore, etc... IMO, these scores are created with the sole purpose of selling a service to consumers (even though at present, it is meaningless).

I'm less than really concerned about my FICO score... At the moment, I'm using TrueCredit, at least until a more cost-effective product happens by. I'm not really concerned with what the score is. I'm more concerned with having a baseline in order to track changes over time. Daily report updates can be handy, too.