Re:Identity Thieves Bypassed Experian Security to View Credi...
by toast0 on Monday January 09, 2023 @01:51PM
(#34314331)
One of my banks says:
> The FICO® Score pulled on [date] is the FICO® Score 8 based on Experian data, and is the same score that [name of institution] uses, along with other information, to manage your account.
Another says:
> The score provided here is FICO® Score 8, which is based on TransUnion® data and may differ from other FICO® Scores. Variations may also occur when your score is based on data from another consumer reporting agency or calculated at a different time. [name of institution] and other lenders may use different scores and other information in credit decisions.
I'm not going to intentionally interact with Experian directly, unless I have to, so not going to compare there. From what I recall, when I last opened a loan and they disclosed the scores, they were within spitting distance of what I was seeing from my banks at the time.
Now maybe FICO 8 score means something different than FICO Score 8; these guys like to be deceiving, and maybe some banks give the VantageScore, but mine seem to give a FICO Score 8.
> The FICO® Score pulled on [date] is the FICO® Score 8 based on Experian data, and is the same score that [name of institution] uses, along with other information, to manage your account.
Another says:
> The score provided here is FICO® Score 8, which is based on TransUnion® data and may differ from other FICO® Scores. Variations may also occur when your score is based on data from another consumer reporting agency or calculated at a different time. [name of institution] and other lenders may use different scores and other information in credit decisions.
I'm not going to intentionally interact with Experian directly, unless I have to, so not going to compare there. From what I recall, when I last opened a loan and they disclosed the scores, they were within spitting distance of what I was seeing from my banks at the time.
Now maybe FICO 8 score means something different than FICO Score 8; these guys like to be deceiving, and maybe some banks give the VantageScore, but mine seem to give a FICO Score 8.