Leander pull vs. direct pull score

[hoping2rebuild]

I just got my EX report and score from EX and the score is higher

directly from EX then it was when it was lender pulled can someone

please explain why?

Thanks

[llecs]

Because there are no FICO scores anywhere on Experian's website. Your lender would have pulled a FICO. You are comparing two different types of scores.

[hoping2rebuild]

awe what a shame I liked EX's number much better it was 120 pts over what the lender pulled

[Anonymous]

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@hoping2rebuild wrote:

awe what a shame I liked EX's number much better it was 120 pts over what the lender pulled

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There is no way for you to get an EX FICO without a lender giving it to you.

[llecs]

120 is quite a bit. Good old trusty PLUS score, eh?! Some FAKOs score stuff that FICO does not and vice-versa.

[hoping2rebuild]

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@llecs wrote:

120 is quite a bit. Good old trusty PLUS score, eh?! Some FAKOs score stuff that FICO does not and vice-versa.

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Plus is just there to tease  LOL

[RobertEG]

Even if you pull a true FICO score based on the same CRAs database, such as EX, and thus have identical data, the additional factor is the flavor of the scoring algorithm that was used.  FICO is not a single flavor of scoring.  Each party contracts with FICO to license use of a particular algorithm tailored to their needs.

The lendor probably contracts for a different version of FICO.