LO pulled higher scores!!

[ArmyStrong]

Applied for pre-approval with USAA, SunTrust, and VAmortgage.com. LO pulls for EQ was 624 (no surprise there), model used was EquifaxBeacon 5.0. LO pulls for TU was 659, model used was FICORiskScoreClassic04; and LO pulls for EX was (drum roll please...), 659! My pulls were done a week prior and to my knowledge nothing has changed (I won't pull again until the 15th). I'm curious (but NOT complaining!) as to the reason for the 33 point difference. Any ideas?

Side note: Report says for the Classic 04, the score range is from 336 to 843.

See the rest of my story here:

http://ficoforums.myfico.com/fico/board/message?board.id=loans&thread.id=50287

Message Edited by ArmyStrong on 10-14-2009 07:45 AM

[Anonymous]

TU'98 and TU'04 scoring models weight aspects of your credit report differently. More often, TU'04 is lower than TU'98, but there have also been many people (like yourself) who have reported a higher TU'04 score. A 30-point difference is a bit unusual, but it has been reported a number of times previously.

Congratulations ...