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Well again you haven't answered my questions in any way, shape or form.
Good luck with your mortgage, I can't waste any more time on this thread if you want to not answer simple questions.
Then ignore it. If a credit score does not say "FICO" next to it, it isn't FICO. It's a FAKO. Not a score you ever need to worry about. Equifax sold you a junk score whereas CCT sells you real FICO08 scores.
Hell I would freak out, too. In fact, I would probably report Equifax's bullspit "credit score" to the CFPB for giving me a heart attack.
Keep in mind the CCT scores are FICO8 and are not the FICO mortgage scores.
To get those FICO Mortgage scores you need to request a 3B report from myFico...no where else can provided these