>have two credit cards
>mobile apps for both offer free credit scores from TransUnion
>both give me two different fucking scores
Discover It tells my score is 775 while Crapital One tells me its 730 even though they both report TransUnion scores.
They might both use a different scoring system. If you're talking about Credit Tracker with Cap One - I don't think TransUnion provides the score. They just pull it off of that report. Cap One uses their own scoring system to come up with the score but I know for sure it's not FICO. Read the fine print it tells you. Been a while since I've logged in and looked.
The credit reporting companies sell scores based on different metrics. They've got many, many scores they sell. There are like 15 FICO models, and milliions of Plus Scores, vantage scores, and other Supah uselss Scores.
Plus and Vantage are consumer facing upsells,
Some CC's are offering monthy FICO Scores, and myFico are the places to get them.
A credit score is comprised of 6 parts as ranked by importance:
Derogatory marks (collections, bankruptcies, etc.)
Credit Utilization (resets each month)
Length of credit history/average age of account
Total # of accounts
Hard inquires (of limited importance after 6 months)
Also, your credit score is not the best indicator of financial health. Just because you have a good credit score doesn't mean you are making good choices with money. A lot of people have great scores but are in a ton of debt living beyond their means.
i hav 846 for experian fico
but i just asked for a prequalification letter. in the mail i received a letter from another mortage company telling me i had inquiry and then they told me my equifax rating was 797