madskilzz3 t1_jae14bd wrote on February 28, 2023 at 7:33 PM

It’s not that CK isn’t giving you an actual score (Vantage 3.0 is a real score), but majority of lenders don’t use vantage. Lenders typically lean towards FICO 8 or 9 and that’s what Experian give you.

Majority of people and myself uses the free Experian tier. General rule is to check your CS once a month.

ZepTepi49 OP t1_jael17o wrote on February 28, 2023 at 9:40 PM

Yes, I just realized that the FICO score WF gives me is labeled "FICO Score 9 / Experian data".

madskilzz3 t1_jaeq7r6 wrote on February 28, 2023 at 10:14 PM

Then your score for Experian vs WF is different, since Experian is FICO 8 and WF is FICO 9. But each lender algorithm is vastly different , so hard to say which CS each lenders will choose.