Credit score ranges: Can someone give me a definitive answer to this?

Financial institutions can use customized scores, maybe they're doing that. Or maybe something else.

I am going through a mortgage company right now. Here's what was listed on my credit score disclosure sheet:

Equifax (EFX)/Beacon Score
Range of possible scores: 300-850

Experian (XPN)/Fair Isaac Score:
Range of possible scores: 300-850

TransUnion (TUC)/Classic 2004 Score:
Range of possible scores: 300-850


However, I dropped the 1st lender I was using. I shredded the disclosure sheet, but they had different scoring ranges listed (not sure what models they used). I think all of them started at 300, but Equifax or Experian was 850 max and the other was 830 or so max. Transunion had a max score of something like 930.


Everyone on this board will tell you that Fico is the only one that really matters, but there are so many models that it is really tough to tell which is best. The best thing is just to monitor your report at least once/year to prevent fraud and inaccuracies. If you do that, while keeping your balance-to-limit ratios low and paying notes on time, then your score will fall where it needs to be.