if I may be so bold, let me jump in here and enhance what pyotr was saying (as well as debtfreeme).
to start, you have three credit reporting agencies...Experian, Equifax, and TransUnion.
then you have the Fair/Isaac Corporation (FICO). Fair Isaac uses the information from one of the three agencies (chosen when you purchase) to compute a score, they are not a credit reporting agency.
the FICO score ranges from 300 - 850
ok now, if you go directly to TransUnion or Experian and request a score, you will get one based on their own private scoring algorithm.
I did not mention Equifax because they use the FICO score as opposed to an "in-house" product.
as indicated earlier, TransUnion's score ranges 400 - 925, Experian's 330-830. Effectively, this means an 825 directly from TransUnion (not through Fair Isaac) is not the same as an 825 from Experian or from a FICO computed score.
then to further complicate this, TransUnion offers their TrueCredit product which models a score based on either of the three agencies you choose on a 300 - 850 scale but from what I understand is NOT a FICO computed score so can vary (significantly in some instances I've seen). I have no hard facts to document this last part other than a very alarming personal experience.
so if we leave out the TrueCredit thing, you have 5 credit scores, 1 for each agency through Fair Isaac, one home grown from Experian and one home grown from TransUnion.
if it matters, the bank loan officers I've talked to all use the score from Fair Isaac but that doesn't mean the Experian and TransUnion scores aren't important, someone must be using them or they wouldn't be there (it's possible they are more prevalent in the mortgage industry, etc.)
believe me, I've wasted an inordinate amount of money researching this garbage, I'm a guy with a lot of time on his hands and an insatiable curiosity.
Re: What is your FICO score?
