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  1. #1
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    Default Which credit score is more accurate? FICO or...

    Today I received my Fifth Third Bank credit card in the mail. YAYYYYY

    Along with that came another envelope from Transunion that had my Transunion credit score on it. It had me for 659. But my FICO Transunion has me at 639. Which is more accurate?

    I'm thinking the one from Transunion cause its directly from the credit company, but just wanna make sure.
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  2. #2
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    Yes the one from the credit issuer is more accurate. That is your actual score unlike the estimate that MYFICO gives you.
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    It's not a point of which is more accurate. It's which is more trusted.

    5/3rd didn't ask for the Fico score for nothing...it costs them extra to get it. But it is considered the gold standard for credit scoring even though all the credit agencies have done their own similar scoring systems to compete.
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    MyFICO is not an estimate it's your FICO score. They may use a different TU model than 5/3 uses, but that is an actual FICO score and no "estimate".
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    Quote Originally Posted by MemberSince99 View Post
    MyFICO is not an estimate it's your FICO score. They may use a different TU model than 5/3 uses, but that is an actual FICO score and no "estimate".
    Sorry I phrased that wrong. I meant to say that a pull from a credit report is the score you had when they approved you. I was thinking for some reason he was talking about a FAKO. My mistake.
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  6. #6
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    Thanks for the responses. I remember I had applied for a credit card back in September & they had me at a 544. Im at a 659 now & I'm sure once this card starts reporting it a go up even higher. I must be doing something right hopefully I get to a 700 by June. Trying to get a new car...
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    Quote Originally Posted by darkguy2 View Post
    Sorry I phrased that wrong. I meant to say that a pull from a credit report is the score you had when they approved you. I was thinking for some reason he was talking about a FAKO. My mistake.
    And in reading my response, I could have been a little more PC in how I said it, glad you didn't take it wrong as I didn't mean it to be in any way snide.
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