re: Help understanding credit scores

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It was an add on credit Karma for trans union. I went in and got my trans score free with credit monitoring. Once in, it only gave you a trans union score. You can purchase the other 2 scores from Eqifax and experian. I did this and they were all high. But the same companies numbers through my lender are way lower than what I saw today. Experian is 83 Pts difference between the one I pulled as theirs Eqifax is 105 Pts diference And trans is 66 Pts difference.

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All those scores are what are called "FAKOs" and your lender will use true FICO scores. You can buy your Equifax FICO which will exactly match the lender from MyFico.com. They also sell a version of the TransUnion FICO but it's an older version. You can't buy a true Experian FICO score anymore. Only lenders can pull them. As for getting your FICO score higher, pay all your credit cards down to a zero balance and leave between 1 and 9 percent on one card. Revolving credit utilization is the quickest way to gain a lot of points on FICO scores.