stellina5 wrote:how can I access my " mortgage fico score"
there is a big disparity between my consumer fico and mortgage fico
I do not want another lender or order this mortgage score, it is a mark against my score
thank you
stellina5
Most scores we think of as "consumer" scores are not really FICO scores at all but numbers that are made up and called credit scores. True FICO scores are the scores that mortgage lenders use. The Equifax score available here on this site is a real FICO score, the same one the mortgage lender will pull. Keep in mind that your score is only accurate for the moment in time that you get it and is subject to change every day. Getting a score from here will not harm your credit or change your score. Feel free to get your score from here without fear it will affect you in any way.
Starting Score: 693 TU FICO, 679 EQ FICO 
I mean the could be using FICO scores but there is some disparity between each model. For instance my EQ from here and my lender were dead even I believe the both used the Beacon 9. Where as my TU was about 20pts apart. reason being myFICO uses the TU98 and most lenders use TU04, and as far as EX is concerned I have no idea
stellina5 wrote:oct 252012
thank you for your explanation
what is beacon 9, tu98,tu04, how do I access these scores ?
stellina5
You cant really access those scores except the EQ beacon 9 is from here, TU98 is from here Walmart will issue you a TU08 if you sign up for paperless statements but you can get your TU04 without an INQ from who ever uses it.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
