There are some folks just starting out in credit where their history is so short that a score isn't generated yet. Part of the requirement for a FICO score is that you have at least one opened 6-month old account reported, otherwise you wouldn't have a FICO score. Because there isn't enough history, some lenders use an alternative score to factor in other credit sources not usually found within your CR (e.g. utilities, phone, rental history, etc.). Some lenders will extend the credit requirements beyond those 6 months and still use this alternative score for scoring purposes (without looking it up I think it is the FICO Expansion Score). Not many lenders do that and I bet if you ever were to apply at a second lender, they'd use a normal FICO score as on here.
FYI and slightly off-topic, the EQ FICO on myFICO.com is used by a vast majority of lenders out there. I'd guess that 95%+ use it. It will say "Beacon 5.0" on your CR from your lender. If you were to pull from myFICO and your lender the exact same day the two score will match. The TU FICO on here might not match. MyFICO uses an older TU FICO version that isn't that common with lenders. While some lenders still use it, most do not and if you were to pull your TU FICO on here the same day as your lender, it probably won't match.
