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My fico score does not match

Valued Contributor

Re: My fico score does not match


guiness56 wrote:  FICO 08 doesn't include collections and I believe PRs for 100 or less;  utilzation on 08 is scored harder for those with high balances.  At one time  AU accounts were not factored in but I think that has since changed.  And I think they are more lenient toward rare missed payments. 

Thanks, Guiness... useful info.  Shame there's no way to buy the score the lender actually uses.  I guess we'll wait and see what the OP lists as his baddies.  

 

I've been meaning to ask you; what is your beverage of choice for the other half of a black and tan?

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

New Contributor

Re: My fico score does not match

This just happened to us too with Experian FICO.  Here we pulled a 691 and the credit union pulled a 635.  We have no baddies, just high utilization on exisiting credit cards and a new mortgage.   It's so far off, what's the point of buying it?

Epic Contributor

Re: My fico score does not match


Draco007 wrote:

This just happened to us too with Experian FICO.  Here we pulled a 691 and the credit union pulled a 635.  We have no baddies, just high utilization on exisiting credit cards and a new mortgage.   It's so far off, what's the point of buying it?


Do you know what version the CU used?  Even for an EX08 there is the bankcard enchanced score which weights CC TL more heavily.  And your utilization.

Highlighted
Moderator Emeritus

Re: My fico score does not match

It depends on what's used.  I know that more lenders are starting to use the EX08 version, but many mortgage lenders are still using the EX v2.  And different banks, CUs, etc. might pull other versions.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.