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Im interested in knowing my fico that most lenders pull. What version should I use? Right now, I'm currently paying a monthly subscription for fico 8 scores.
Never mind. Found it!
on the lenders pull, how was your transunion compared to the 8 score, was it higher or lower, by how much?
@divadrekadreke wrote:Never mind. Found it!
I'm curious to know how your TU lender pull compared to your Myfico 08 TU score. I am applying for a mortgage as well and it appears I really need it to be the hero and come in way higher to be my mid score.
In January when my lender pulled, my fico 8 transunion was 675 and Lender fico was 682.
@talktohoov wrote:I'm curious to know how your TU lender pull compared to your Myfico 08 TU score. I am applying for a mortgage as well and it appears I really need it to be the hero and come in way higher to be my mid score.
Really isn't any way to tell unfortunately today but eventually the TU scores will be available here presumably.
The nomenclature is unfortunately confusing (Even the listing for FICO v5 is really a FICO 04 release named by Equifax to be Beacon 5.0... by simplifying they've simply confused the issue more in my opinon), but the mortgage world uses one revision earlier for Experian than it does for either EQ or TU.
Don't sweat the names other than to state the myFICO "commonly used in mortgage" scores are spot on for virtually everyone. Huge win for consumers.
My TU was my mid score and it ran about 30 pts higher than the one supplied on the dashboard.