There are countless sources. Make sure you're considering the specific scoring model and don't just assume that all scoring models are equivalent. Credit Karma provides TU and EQ VantageScore 3.0. Some creditors use one of these but most use a FICO model. However, FICO doesn't have just one model. FICO 8 is the most commonly used model but it is not used by all creditors/products.
ChrisLL wrote:when I try other sites, my scores always seem to vary.
Of course they will. Different models evaluate report data differently and can have different score ranges. You cannot use a score generated by one model to determine a score generated by another model. The model, the CRA and whether or not report data has changed over time can all have an impact on the number generated. The latter two points are actually redundant as they're both a matter of data. The big 3 CRA's don't necessarily have the same data.
If, for example, a creditor/product uses a TU FICO 8 then only the TU FICO 8 will matter to that creditor/product. Scores generated by other models and using other CRA's as data sources will not be relevant to that creditor/product.
ChrisLL wrote:What's a good site that will give me scores that most lenders use?
"Good" is always highly subjective and you need to clarify exactly what you mean whenever you use the word on any topic. We know you want a commonly used scoring model and FICO 8 would be the most commonly used one -- though, again, keep in mind that not all creditors/products use FICO 8. If a creditor uses a different model then the number they pull will differ.
Are scores the only thing that matter? Do you want monitoring/alerts? Do you want access to your reports? How often do you want scores and reports? What's your budget?
myFICO is one option. You can make a one time purchase or subscribe to their service. However, myFICO is trigger based and not all activity with a scoring impact is a trigger. The alerts/updates will provide you with FICO 8's and you get quarterly access to other FICO models and your reports.
Credit Check Total is another option. You get daily updates for Experian and, IIRC scores and reports for all 3 major CRA's once a month. I don't recall every option for FICO 8's off the top of my head but definitely check out those above.
There are also creditors that provide FICO 8's to their customers but generally it's just a FICO 8 based on one CRA. Discover and Barclaycard provide a TU FICO 8. Discover updates once a month and Barclaycard seems to update every other month. American Express provides an EX FICO 8 updated once a month.
Creditors like Citi and FNBO also provide FICO's but they are FICO 8 Bankcard which is not the same thing as FICO 8 and they have a different scoring range.