New Visitor
Posts: 1
Registered: ‎08-06-2009

FICO scores vs lender numbers

My mortgage broker told me that my score is 635. I pulled FICO standard credit report and it shows 777 for TransUnion and 799 for Equifax. Expirian shows 787, but it's not FICO. Am I looking at wrong numbers? Why is it so big difference in the numbers?

This is my first experience with applying for mortgage and would like to get more information on how to read my credit scores/report.


Thank you,


Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: FICO scores vs lender numbers

I'd drill your broker to figure out if they are using FICO scores, and if so, what type of FICO scores they are using. Sounds like they gave a bad number. Your scores are terrific. The only thing that I can think of to explain the difference is if something major happened to your reports to tank your scores in between your myFICO pulls and your lender's pull. Another scenario is if your scores are high, but your spouse's mid-score was 635.


Your lender should be supplying a tri-merge report and it should show 3 scores. It should also list what score is used and the score version.

Regular Contributor
Posts: 230
Registered: ‎08-05-2010

Re: FICO scores vs lender numbers

wow, that's quite a difference.  Did you ask them?  Will they give you a copy of the report they pulled?

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.

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.