WAMU FREE FICO SCORES...

[Anonymous]

The scores are also a month behind (3 to 6 weeks) and place a little more emphasis on credit cards than your classic FICO. 

The FICO from myFICO is also the Classic 98 version-

You PFICO is based on the Classic 04 version,

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PittsburgPamela wrote:

I also have the Wamu card and see that credit score.  Wamu says my score is 752 but my actual Transunion score, that I just got a week ago, says it is 765.  I wonder why there is such a big difference between them.  I could understand if I had some minor baddies related to credit cards but, I don't.  Only one bad, an auto loan that I co-signed for and paid off 7 years ago when the borrower (my daughter) defaulted.  That will be coming off in Dec of this year.

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[MsKmm00]

Which score model do lenders look at when you apply for a debt consolidation loan or HELOC?

[Anonymous]

The FICO you get from myFICO

Equifax          Beacon 5.0  - Same Ver as myFICO

Trans Union  FICO Classic 04 - Newer than myFICO-

myFICO uses FICO Classic 98 currently
 
Experian        FICO v2 -Same Ver as myFICO
 
I heard a rumor that myFICO is putting in the Classic 04 version for TU soon- 

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MsKmm00 wrote:

Which score model do lenders look at when you apply for a debt consolidation loan or HELOC?

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[Anonymous]

I have noticed that my Phico and Fico usually run neck and neck with TU. Right now they are only about 4 points off from each other.

[Anonymous]

I realize this is a long pause in reply, but myFICO is over 30 points lower than my WAMU fico.