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@pizzadude wrote:
@ezdriver wrote:Seems others say that the EQ score on myFICO is the same as the EQ score that the leder will see. That therefore would seem to be the best one to use as an estimate.
Unfortunately this is no longer the case ~ the EQ ( and EX ) score sold here have been changed to the newer FICO08 version. Mortgage lenders pull the FICO04 version.
The TU score sold here is the TU98 version, and older score model.
It's really hard to know how your scores will match up ~ for some people they are fairly close, but others see fairly large differences.
When did the change take place? My EQ score from here that was pulled two days before a mortgage lender pull was an exact match. This was on 02/28/14.
@tony46231 wrote:
@pizzadude wrote:
@ezdriver wrote:Seems others say that the EQ score on myFICO is the same as the EQ score that the leder will see. That therefore would seem to be the best one to use as an estimate.
Unfortunately this is no longer the case ~ the EQ ( and EX ) score sold here have been changed to the newer FICO08 version. Mortgage lenders pull the FICO04 version.
The TU score sold here is the TU98 version, and older score model.
It's really hard to know how your scores will match up ~ for some people they are fairly close, but others see fairly large differences.
When did the change take place? My EQ score from here that was pulled two days before a mortgage lender pull was an exact match. This was on 02/28/14.
http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/FICO-8-Announcement/td-p/2996572
Ah, the shift in EQ scoring at myFICO explains my recent score drop in the score watch. There was no corresponding change to account for it and I was confused! Interesting. I hope my lender sticks with the other version, at least until we close next month.
@Alberio wrote:Ah, the shift in EQ scoring at myFICO explains my recent score drop in the score watch. There was no corresponding change to account for it and I was confused! Interesting. I hope my lender sticks with the other version, at least until we close next month.
I doubt that mortgage lenders will be moving to a different score model anytime soon, so you should be fine.