I have a question which is deeply troubling me for the past 2 days and after a lot of google search I have come off more confused and exhausted.
I have signed for equifax.com to get 3 bureau rating scores and also with freescore.com
There is a huge discrepancy between the 2 companies.
Freescore.com reports my scores as:
Equifax.com reports my scores as:
My question primarily is, why is there such a huge difference. Why does freescore.com report my equifax as 620 ....so low but equifax website shows a different number (710)?
Is it that Freescore.com uses its own calculation of credit score even though equifax provides its own number? Then how do I know where I stand?
I dont have credit card yet, how do I find where I stand as far as a true credit score goes with out putting an inquiry on my history?
I am looking to invest in a used car and get a car loan but I am afraid I will do more worse to my score with out being prepared.
Any help in matter would be greatly appreciated!