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Credit Score & FICO Score
Yes, there is a difference between your bureau credit scores and your FICO Score. For each credit bureau, you'll have a credit score. This score is a number which has been computed to represent your credit worthiness. Because there are three major credit bureaus that operate independently from each other, your credit profiles from TransUnion, Equifax and Experian will all be slightly different from each other. Each credit reporting agency will compute their respective scores according to their own set of metrics and models.Your FICO Score is another type of credit score. It is different from your bureau credit scores. FICO is actually a scoring model that is used to calculate your credit score. The data that is used can be pulled from either your Equifax or your TransUnion credit histories. Thus there are two types of FICO credit scores: Equifax FICO score and TransUnion FICO score.
FICO Scores are used by approximately 90% of banks and businesses to determine your credit worthiness and risk. It is the most significant numerical value that is looked at, and thus carries much more importance than your TransUnion, Experian or Equifax credit scores. It's usually helpful to know both your bureau credit scores and your FICO score.
One point to note is that if you choose to go through AnnualCreditReport.com, you will not get a free look at your bureau credit scores or your FICO Score. You'll have to purchase your credit scores separately, either from the credit bureaus or from myFICO.com
CreditReportProtect.com and the featured sponsors/paid ads on this website are NOT affiliated to the annual free credit report program. According to FTC(via ftc.gov), everyone has the right to receive a free copy of their credit report once every year from each of the three nationwide consumer reporting agencies. To get your free annual report with respect to this law, you need to visit www.annualcreditreport.com.
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