Now even banks that you apply for credit all using Equifax can even have different "FICO" scores. In my case within about 7 days I had went to 3 banks and Toyota Financing to apply for 1 card and auto loans. First I applied for a card and was told my FICO was 780, within a few days of that I got scores of 792, 788, and lastly 819 from Toyota. All claimed from Equifax. Oddly the higher scores were after the credit card inquiry when I was told 780. I had maybe 1 other card at that time so I doubt my report had been updated over the week to account for the variances.