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What is the difference between the FICO score and the scores that Experian/TransUnion sell on their websites?
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Last Updated
18th of March, 2010

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FICO is the acronym for Fair Isaac Corporation. The Fair Isaac Corporation develops FICO scores. The vast majority of lenders who use credit scores use one of the FICO scores.

The non-FICO scores that Experian (PLUS score) and TransUnion (TransRisk score) sell to consumers are not widely used by lenders and will not be the same as your FICO scores. Be careful what you order when you get your scores, because it can be argued that Experian and TransUnion try to sell consumers a useless score without making it clear that what the consumer is buying is NOT what lenders or insurance companies buy from them for risk assessment.

Not sure where you stand credit-wise? Check your reports and scores online today!

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