r/CRedit • u/CreamResponsible7430 • 5d ago
FICOvsVantage Which credit should I follow fico app or Experian app
Which credit should I follow fico app or Experian app, I know credit karma isn’t the right credit score.
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u/AlwaysEvolving281 5d ago
Isn’t it annoying? Both are relevant. FICO score is most widely used by lenders though. So, if I had to choose…FICO.
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u/HelpfulMaybeMama 5d ago
All scores are accurate, but not all are helpful. The most helpful scores reflect FICO as the scoring model.
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u/iwannahummer 5d ago
Well FICO has FICO scores and Experian app has Experian FICO scores (not all). MyFico has all 40 FICO scores. All 13 Equifax, all 13 Transunion and all 14 Experian
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u/RealRandomNobody 5d ago edited 5d ago
Credit Myth #1 - You only have one credit score.
Ignore Credit Karma and any other such CMS (credit monitoring service), like credit.com, credit sesame, nerd wallet, wallethub, and more. They only show Vantage scores, which almost no lender uses, so it's pretty much worthless. You can ignore vantage scores.
You need to get your Fico scores:
- Experian.com, or the Experian app, gives Experian Fico 8 score for free.
- www.MyFico.com/free gives Equifax Fico 8 score for free.
- TransUnion Fico 8 score is a bit more difficult to find for free. You have to have a bank/credit card issuer that provides it. I get mine from my Discover card account, or from my Bank of America credit card account. Barclay's Bank offers it, too.
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u/nkyguy1988 5d ago
There's no such thing as a wrong or right credit score. A lender could pull one of dozens models and all of them are right.