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Beacon Scores
A beacon score is a credit score that is provided by Equifax. The score is calculated using FICO's scoring algorithm and Equifax's consumer credit history. The beacon score, or also commonly referred to as the Equifax FICO score, is used by many businesses in the mortgage lending or auto financing industries.A beacon score will differ from the other bureau credit scores, partly because each credit reporting agency maintains slightly different credit files. The discrepancy is due to whether or not creditors and lenders submit their information to all three bureaus. In most instances this does not happen, thus different credit files and credit scores.
Both Equifax and TransUnion have variations of their FICO score. They each use the FICO score algorithm and model to calculate their scores. Experian however, no longer works with FICO and produces its own bureau credit score.
Equifax's FICO score is called the Beacon score. TransUnion's FICO score is called the Empirica score.
*creditreportlogin.com and the Advertisers on this page are NOT affiliated to the annual free credit report program. If you want free annual credit report that is mandated by the FTC you need to visit Annualcreditreport.com.
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*This page lists several free product trials that contains credit reports and credit scores from all three credit bureaus, but on occassion products can be listed here that only provides one credit report and one credit score, please read the details carefully before you apply.
*Please note, that free credit report and free credit scores provided by our advertisers are free of charge with credit monitoring trial, each product has it's own trial duration. If you are not satisfied with the credit monitoring trial you can cancel anytime. And if you cancel within the trial period - you should not be charge for it. We have personally tried several products we advertised and have no problems cancelling them within the given trial period.