Credit Reports and Scores

[preciousjeni]

I just found out that the PLUS score and the FICO score are different things.

PLUS is what you usually get when you order scores from a service that gives you advice on your credit and so forth.

FICO scores come directly from FICO and are what the lenders actually see.

I checked my FICO scores on myFICO (for a pretty hefty fee) and discovered that the scores weren't being reported identically. One was actually 10 points less than the other and the "negatives" were completely different.