TU08 is usually more friendly to small mistakes, and doesn't factor in collections under $100 due to a Hollywood Video class action incident where people with $5 late charges had a tough time trying to buy a house (most were falsely added after they went bankrupt), Fico04 is harsher on the client so most banks prefer to use one that will generate them a lower score so they can find any reason to charge you a subprime rate.
This is good info, thank you. The TU we get from QM, how relevant is that as far as what banks use?
Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
Starting total revolving credit: $1100 | Current total revolving credit: $36,700
Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000
Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL