Thanks for the reply... I did actually purchase the reports from each of the companies, so I guess I feel good knowing that they are actual numbers. I looked a bit deeper into the scores which added a bit of clarification, but added another layer of confusion. Here is what I noticed.
Equifax: 737 / 850
Experian: 763 / 830
TransUnion: 817 / 990 (The Vantage Score is what was throwing me off)
I guess the biggest underlying question that I have is which one of these to believe? Is there one of these that the lending companies use more frequently or do they pull all three and then how to do they use them to qualify or disqualify an applicant?
takeshi wrote:850 is top of the scale. Might not be for TU if that's a VantageScore which tops out at 990. As for what's going on, it's impossible to tell you just by looking at your score. You need to review your credit reports. Scores are generated using the data in your reports.
Keep in mind that unless you purchased the scores from FICO (or obtained them from a source that offers a FICO score) then the scores are FAKO's and may not really mean much.