Help understanding FICO scores ?

[tussking]

CCT says : My Fico 8 is 626 -

Equifax's says My Fico score is 679

While NFCU says it is was 686 (denial letter)

Is Fico 8 that much different than Fico 4 or other FICO's ?

Man im confused.....

Just called NFCU and they have no idea...All they could tell me was they pulled my Equifax Fico ? How are the 2 FICOS scores so far apart ?

[tufa4311]

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Informal-Poll-What-s-your-Fico-4-vs-Fico-...

Also, check out the check out the almost 50 point EQ diff between FICO 4 and 8 on this one:

http://ficoforums.myfico.com/t5/General-Credit-Topics/Transunion-Fico-4-Vs-Fico-8/td-p/4094285

Really nothing to be confused about. FICO 4 and 8 are different models, they are different models becuase they calculate and weight factors Differently and due to that scores will be, you guessed it, different...