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Accuracy of myfico scores?

Valued Member

Accuracy of myfico scores?

So, I had a lender pull scores on 10/30/12 - and my scores were as follows:

  • EQ 534
  • EXP 573
  • TU 609

I pulled MyFico the same day and it gave me the 534 score - which I was impressed with (since my previous credit monitoring service was WAY off on that score).  I have been working feverishly to get scores up ASAP, and received a score update from my Fico today that I am now at a 614.  My question is - should I feel confident that it's the same score a lender (mortgage) would also show for my EQ score if it was pulled today? 


Starting Score: 534 (10.30.12)
Current Score: 649 (12.9.12)
Goal Score: 700


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Message 1 of 5
4 REPLIES
Valued Contributor

Re: Accuracy of myfico scores?

If they are using the same model yes 


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

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Message 2 of 5
Moderator Emeritus

Re: Accuracy of myfico scores?

Ditto, virtually all mortgage lenders use the same EQ FICO version, Beacon 5.0. That means you are up 80. Congrats!

Message 3 of 5
Regular Contributor

Re: Accuracy of myfico scores?

Yes!  When the same thing happened to me I told the lender and she said "I don't think so..." I encouraged her to check and when she did she pulled the same score!  Whoo hoo!

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Message 4 of 5
Valued Member

Re: Accuracy of myfico scores?

Woo-hoo!!  Thanks everybody!


Starting Score: 534 (10.30.12)
Current Score: 649 (12.9.12)
Goal Score: 700


Take the FICO Fitness Challenge
Message 5 of 5