02-03-2014 03:01 PM
02-03-2014 03:19 PM
are those 604 644 704 scores from myfico.com?
02-03-2014 04:22 PM
Yes the scores are from myfico.com as of last week.
If you have a 100-point difference, and they're all from this site, that suggests different information across the reports.
If you haven't already done so, I'd suggest checking the reports for accuracy, and doing whatever you can about derogatories.
As far as the 499 score goes, a lender may be using their own formula, possibly with a different reference range than FICO scores.
It's not meaningful to compare scores based on different formulas, or with different reference ranges.
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