Experian FICO

[geronimo2008]

I noticed that Experian FICO scores are now available.   I was shocked t see that I show a score of 850!!!!!!!!!!!!!!!!!!

My other two scores are good (802 TU and 817 EQ) but I certainly did not expect to see an 850.

[pizzadude]

Wow !!! Congrats, that's fantastic !! Does your EX report show older tradelines or other info that isn't on the other two?

[holdingon80]

That's awesome!

[guiness56]

You are the first I have seen with an 850!  Wow is all I can say.  Wow!

[geronimo2008]

I don't see anything t.   fferendi

[asphaltcowboy]

Congrats on 850!!

Only in my wildest dream

[050403]

My experian showed 629 on my fico but when pulled by my lender it was 585!! The same week. What is going on? Am confused. Any ideas why? Thanks

[guiness56]

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@050403 wrote:

My experian showed 629 on my fico but when pulled by my lender it was 585!! The same week. What is going on? Am confused. Any ideas why? Thanks

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Different scoring models/versions.  The one here is the 08 version and most lenders use the 04 version.

[Shogun]

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@guiness56 wrote:

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@050403 wrote:

My experian showed 629 on my fico but when pulled by my lender it was 585!! The same week. What is going on? Am confused. Any ideas why? Thanks

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Different scoring models/versions.  The one here is the 08 version and most lenders use the 04 version.

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Isn't that the TU versions?

[guiness56]

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@Shogun wrote:

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@guiness56 wrote:

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@050403 wrote:

My experian showed 629 on my fico but when pulled by my lender it was 585!! The same week. What is going on? Am confused. Any ideas why? Thanks

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Different scoring models/versions.  The one here is the 08 version and most lenders use the 04 version.

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Isn't that the TU versions?

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Most mortgage lenders use the 04 models of all the scores.   Is that what you are asking?

The FICO 04:

EQ = Beacon 5

TU = FICO Risk Score, Classic 04

EX = Experian/FICO Risk Model v2