re: Best Sites To Check Credit

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I just did the 3 scores of all three bureaus through Equifax through their teaser 4.95 rate so i could compare it to credit karma. Credit karma overstates my credit score by a lot.

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I don't think you got FICO scores from the Equifax site. Equifax sells a "credit score" that isn't a true FICO. You can get your true Equifax FICO and an older version of your TransUnion FICO from MyFico.com. You can't buy your Experian FICO anymore.

This is from the Equifax website:

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Both the Equifax Credit Score and the FICO Score are general-purpose score models used to predict credit risk. The Equifax Credit Score is a proprietary model created by Equifax. The FICO Score is a proprietary model created by Fair Isaac Corporation (FICO) . All Equifax consumer services and tools make use of the Equifax Credit Score unless otherwise indicated.

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Also, my CreditKarma score is WAY off. They use TransUnion and when I had my scores pulled for a mortgage recently, my TransUnion FICO was 70 points higher than the score on CreditKarma. My Equifax FICO was exactly the same as the score I got from MyFico.