fico score vs. creditxpert score?
what is the difference between these scores when i check my fico.com they say my fico score based on my equifax credit report is 613. Due to the price of my fico being higher than i can afford i decided to shop around and found my credit keeper.com they pull all three of my reports but they use creditxpert not fico. creditxpert says my scores are experian 667 equifax 615 and transunion 665. Now are those scores very close to my fico scores or are they way different? If they are different does anyone on average (rule of thumb) know if my fico's are higher or lower then creditxpert scores. Am i wasting time and money on creditxpert scores?
Public Comments
- You are wasting your time obsessing on credit scores. This hysteria over scores is generated in large part by the credit bureaus themselves (and FICO) so they can charge you more fees to access them. What's important is to review your complete credit reports (all three) for accuracy once per year and to know what factors affect the scores. The scores will then take care of themselves. I'm 57 years old and to this day I have never obtained my scores - but I've never been denied credit.
