Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 491
Registered: ‎05-23-2007
0 Kudos


This question is for our Mortgage or underwriter people. I have not been able to get ahold of a human being at this credit reporting company. Can someone tell me which Reporting model they use when they do a tri merge report?? For testing purposes I had a lender pull my CR because I have issues with my TU score showing differently and they pulled from these people and my TU score was 50 points lower then it is here. My EQ and EX however were within a point or 2 of what it is here. This is getting frustrating because Im only 25 points away on both TU and EX to qualify for a HELOC or Equity Loan but the TU score is really screwing me right now.
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0 Kudos

Re: CBCInnovis

I don't believe Innovis keeps score. However, some lenders use Innovis data to derive a score.
I wrote Innovis and asked for a free copy of my annual report in accordance with FACTA. They complied.
You could try calling and asking for your free FACTA report. Don't pay.
Established Contributor
Posts: 720
Registered: ‎05-04-2007
0 Kudos

Re: CBCInnovis

I recently read a post (can't remember where) from someone with a similar problem. Their lender's EQ and EX scores matched the Classic FICO scores from MyFico, but the TU didn't. It turned out that the trimerge report provided to the lender by the third-party reseller included a TU FICO (Empirica) based on the 1998 model. I believe (Tuscani or someone can correct me if I'm wrong) that the TU FICO from MyFico is the more recent version (Empirica 2004). So that's one possibility, although 50 points sounds like an awfully big difference for two version dates of the same scoring model. You might ask the lender if they can give you any specific scoring model information from the trimerge report.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.