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I know this sounds like a beginner question, but are these the scores lenders use when you are applying for a loan?
Most lenders use a TU 04 scoring model vs the TU 98 model sold here. So scores can vary either direction between the two versions.
Your EQ report from here will match the exact same as your lenders.
EX score you can not get any mone except from a few credit unions and from lender pulls.