FICO Scoring Differences

FICO Scoring Differences

by Jan 31, 2022FICO0 comments

Why are there so many FICO score differences?


There is much confusion over FICO scoring differences. Why does my credit card send me a FICO score of 640, but CreditKarma shows a 580, and the auto dealership said I was a 720?

Why do websites I pull my credit score up at are lower than what my mortgage lender says they are?


There are over 50 FICO scores I use today. When FICO comes out with a new scoring algorithm, they do not deactivate the old ones. The media went crazy announcing FICO Verison 09 and XD would not count medical collections against the scores. The problem is that none of the banks have adopted those scoring models. So medical collections count. A website such as,, is only allowed by FICO to use FICO Verison 08, a mortgage model. But the banks have refused to use FICO Verison 08. They use FICO Classic – a combination of FICO Verison 04 for one bureau, FICO Version 5 for another, and Beacon 2.0 (a FICO product) for the third. This model is not available to consumers.


Additionally, some FICO scores are unique to what is being purchased. For example, the FICO score for a car is a different model than a mortgage. So the credit score and report from an auto dealership are useless for a home purchase.

CreditKarma does not even use FICO. The use Vantage is a scoring system the credit bureaus came up with and would love the whole world to use because that’s more profit for them. Major lenders still look at FICO. Plus, CreditKarma only gives 2 of the 3 bureaus and limited information on their reports. Please stay away from them for accurate scores and reports.

Credit Repair

Best Credit RX improves your credit score. Get a credit check. We are a credit repair company. If you are looking for the best way to repair your credit, starting with a copy of your credit report is your first step. We recommend using Best Credit Rx. We are a national company. We provide a free credit report, a copy of your credit score, or information about bankruptcy, credit repair, or identity theft. We can help you understand all these items:

  • Credit Check
  • Credit Rating
  • Mortgage Pre-Approval
  • and More

We answer your questions about:

  • Credit Repair
  • Identity Theft
  • Short Sale
  • Foreclosure
  • Bankruptcies
  • Repossessions
  • Business Credit

We can even help you get approved for a mortgage. Best Credit Rx is an expert about the credit bureaus and credit scores (Experian, Transunion, Equifax, Innovis). Best Credit RX can help you resolve all your issues.




Submit a Comment

Your email address will not be published.

Skip to content