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In addition, doesn't each CRA use a slightly different range of scores? I thought each one had a different value for the highest score but maybe that is outdated information.

Yes, each CRA uses a different formula for calculating their score, but if you order through myfico.com, you get your FICO score for each CRA. You can take your score through myfico.com and compare it against, for example, Experian's score and they will be different.

So:

1) myfico.com score versus other myfico.com scores use the same formula which is the official FICO score formula
2) myfico.com score vesus a CRA's proprietary score is not a good measure because they are different formulas

I am pretty sure that Equifax actually uses the FICO score, and TU and Experian use their own, private scores. I know that my Equifax and my myfico.com score are exact matches every time.

Does this make sense?






Eric
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