Bear in mind that none of these are the “real” credit scores that the lender will actually see – even the ones from the credit reporting bureau (like if you purchased your score from Equifax) isn’t the one the lenders will see.

The score that a lender will see is from Fair-Isaac, who’s method of calculating their score is a trade secret, and unavailable to any other entity (including the credit bureaus). That score is only available through Myfico.com.

All the other scores that you can get are known collectively as “FAKO” scores, and while they might give you an indication of about where your credit is, they are frequently off by enough that your real scores place you in an entirely different category of borrowers (for instance, my Transunion FICO I bought from myfico.com was about 50 points lower than what the Transunion FAKO score was that I got a day earlier through them earlier this year, before I switched to monitoring my scores exclusively through myfico.com).