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tam31959

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Equifax:Transunion - CreditKarma 722:721; Kroll 707:699 on same date. Why?
On the same day CK reported the two scores as in the title (in the good range), but my loan officer ran a report from Kroll Factual Data, it came up with two completely different scores, in the poor range, on the same exact data. If both are reporting FICO scores, and both are claiming the 'scores' are coming directly from the credit bureaus, then why are they so different?

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Your credit report has NO SCORE

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The reason your creidt score from two different calculators are different is because the calculators used to calculate the scores score information differntly.  Your credit report is a list of information with no score attached.  Lenders and websites may use whatever calculator they want to determine your credit score.  So while one lender may say you have a score of 810, the next might say your score is 730, but the kicker is, they both use the SAME information to calculate the score.

This can be good for you because it means just because you were denied based on the credit score derived at one lender, doesnt mean all lenders will treat your credit report information the same and the next might approve you using the same information.

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The scores you get here are not FICO scores

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