Like with a make of a car, there are several models within that make (e.g. Toyota...Tundra, Prius, Corolla, Yaris, Crossover, Land Cruiser, Rav4, etc.). Not only are there different models, but some were created in different years. A 1979 Toyota Land Cruiser is nothing like the Land Cruiser of today. Same goes with FICO.
There are several models of scores within FICO. Probably the predominant version out are the Classic scores (300-850 range) and there's a different model for each CRA. So, the EQ FICO found on here is not the same formula as the TU FICO found on here. Two different scores, though the same range. Most all mortgage lenders use this Classic version and most likely the EQ FICO you pull from here was created in 2005 and will match your lender's EQ FICO if pulled the same day (Beacon 5.0 to be technical). Unlike EQ, the TU FICO on here might not match the same TU FICO as pulled by your lender. While millions of this same TU FICO as found on here were pulled last year by lenders, most lenders use a newer version. Experian blocked access to your EX FICO a couple of years ago, but at one time myFICO sold the same version used by most lenders out there too.
Aside from the Classics, there are non-Classic scores out there used by some lenders. For example, FICO offers industry-specific scores like a bankcard-enhanced FICO that weighs your CC past over all other TL-types. There are also auto-enhanced FICO scores used by some lenders that weigh your past car loan experience over all other TLs. There are other industry-specific scores like mortgage-enhanced or installment-enhanced FICO scores. Aside from industry-specific scores, there are others like NextGen. Of course there are models years within each score I bet.
Lenders pick and choose the scores they want to use in consideration of a loan or credit product. It is all up to them based on lending needs, demographics, etc. And a score isn't everything. Lenders also look at residency, employment history, debt-to-income ratio, income levels, assets, etc., all of which are not a part of FICO scoring.
IN short, myFICO sells FICO scores. Just know that 99% of the scores sold out there for consumer purchase are not FICO scores, but FAKOs. There's a small number of places you can actually get your FICO scores.
