Does FICO score consider all 3 reporting agencies?
I have a FICO score and was wondering does this consider information from Quifax, Experian and Transunion in the calculation? The FICO score was provided by Equifax so I was simply wondering if I requested the FICO from the other agencies whether it would match.
Public Comments
- Each bureau has a FICO score. For credit purposes some companies only pull one. Others may pull all three and average. Others still may pull all three and throw out the highest or lowest. In theory the scores should be the same. In reality, they seldom are. Most are in the same ballpark.
- The score you refer to varies a bit depending on what all shows up on the individual credit reports. I have listed a link that might help out.
- No that's just from them only, not the three agencies combined
- fico is one of your scores. generally your equifax score is your median score since they seem to be the most fair in grading credit. experian is generous while transunion are the stingiest. each bureau has their own method for calculation. biggest factor is timely payments. stuff like tradelines, amounts and such figure in as well but are of smaller percentages.
