What is the difference between Equifax pulled at bank or on Free Credit Report.com?

Question

What is the difference between Equifax pulled at bank or on Free Credit Report.com?

Answer 1

The report should be the same EXCEPT that if YOU pull it (like at free credit report), it should have additional information not shown to creditors who pull it.  It won't be much, but it may show extra sources who did credit inquiries, etc.

Other than that, if the report is pulled from the same credit reporting company, it should be the same.  With that said, there are 3 credit reporting companies - Equifax, Experian and TransUnion.  Between the 3 they will have varying information, but if you and the bank pull from the same reporting company, you should see very little difference.

Answer 2

And now for the REAL answer:

The credit score that's pulled from the bank is called the FICO® score. More than 90% of the lenders use FICO. The scores that you see from Free Credit Report.com are not FICO scores, but an interpretation of the FICO scores, which are usually nicknamed FAKO scores.

Answer 3

It depends on why the bank pulled it. 99% of the banks out there will not let you bring your own credit report in to obtain any kind of credit. Also your credit score may vary alittle between the 2 of them depending what you are applying for.