Dear Liz: I got my credit reports and scores from a website that said my credit score for one bureau was 699. Then I went to MyFico.com, which said my score for that bureau was 601. Which is right?
Answer: The MyFico score is likely to be closer to the score an actual lender would use.
Many sites promise to give or sell you credit scores, but these scores typically don’t use the FICO scoring formula that most lenders use. The scores you get from other sites can give you a general idea of how lenders may view your creditworthiness but often vary substantially from your actual FICO scores.
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