I've seen different versions of FICO scoring mentioned and it's made me curious how lenders use the system. Do they purchase software that analyzes information retrieved from your CR?
If this is the case and Company A had purchased a slightly different version than Company B, is it possible they could come up with two different scores even if the information was pulled simultaneously from the same CRA? Also, if that's how if works, does anyone have a clue how often the algorithm is tweaked? Inquiring minds want to know!