Understanding FICO® Scoring

[AlexDmv]

Since the TransUnion FICO score that is provided here by MyFICO is the TU98 version of their score, has anyone compared it to the TransUnion FICO score pulled by a lender?

Are they very similar or is there a substantial difference?

Also, among the 3 different FICO scores, which tends to be the lowest -- Equifax, Transunion or Experian?

[pizzadude]

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AlexDmv wrote:

Since the TransUnion FICO score that is provided here by MyFICO is the TU98 version of their score, has anyone compared it to the TransUnion FICO score pulled by a lender?

Are they very similar or is there a substantial difference?

Also, among the 3 different FICO scores, which tends to be the lowest -- Equifax, Transunion or Experian?

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Some lenders still use TU98....Navy Federal, for example.   Mortgage lenders almost always will use the FICO04 versions of EQ, EX and TU.

TU04, TU08, and TU98 can vary widely for some people......do a search on TU98 and you will see several threads discussing the variances.

EQ, EX or TU may be the lowest or highest depending on what is on your credit reports.    Neither of them is always higher or lower than the others....