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Hello I have a subscription to myFICO, it states my EQ is a 650, I applied for a credit product with NFCU and received a disclosure saying my EQ is a 626. Does anyone who if this is because of a different version they use?
NFCU, and most credit unions, use the 04 version of FICO
Is this the same FICO as myFICO provides?
No, as of June of this year, MyFico sells the 08 version of each score.
A couple of years ago NFCU pulled a TU score which matched my TU FICO98 score from MyFICO. Not sure if they've switched but it's possible.
With the new card I received from NFCU the score they used was 15 points higher than what I pulled through myfico. I don't think we will ever be able to figure out all of these different scoring modules these people are using, I have learned over these last 3 years of rebuilding to just focus on what's on the reports, and just make sure the information is accurate. I get a headache every time I think about scores now.....LOL!