*Loan,banking and credit>>>credit score

Where to get the most accurate FICO/credit score?

Ok I know that there are a ton of different FICO and credit scores out there. Example: I have a service called Identity guard and I get an update credit score every three months from all three credit bureus, I also get a FICO score from Transunion each month from a credit card account I have (its a free service) now the FICO score is about 80 points off from the scores I get from Identity guard why is that? If I want to see my score excatly as a banker etc. would see it if I applied for a loan whats the best route? I plan on appying for a car loan score and I want to know excatly what the bank would see for a credit/FICO score. And also how many different scores are out there? Does each bureau just have one score, or how does that work?

There are different flavors of FICO scores. If you are getting a free FICO monthly from a WaMu card, that score is called the "bankcard enhanced FICO". There are mortgage enhanced FICOs, auto enhanced FICOs, etc. Remember the point of a FICO score is to indicate creditworthiness. So it's possible for someone to have (for example) a higher mortgage FICO than an auto FICO because the scoring system varies slightly based on the particular factors which are most relevant to that particular type of credit.

I suspect that the scores you are getting from Identity Guard are what are called "FAKO" scores - that is, they are fake FICO scores. They try to simulate the FICO calculations but sometimes are off a lot. It's better than nothing, but it's not the genuine FICO.

If you want to know what your actual "straight" FICO score is, get it from myfico.com. But even then, it could differ from an auto-enhanced FICO which would be shown to a loan officer looking at your car loan application. It should be pretty close, though.

Each bureau calculates your credit score based on what they have. The problem comes in because many companies who give credit don't report to each bureau. They do try to reconcile somewhat, but there may good things missing on one, or bad things showing up on another. Most times, when someone pulls your credit report, they have a preferred provider they pull (one bureau) or at most, two. Most do not pull reports from all three.

In regard to your car purchase, it would depend on which bureau the bank works with.