AArrrggghhhh!!! LOL.. Thanks for your patience with my post guys, I guess whats frustrating is it sounds like there is no real standard. "Models"? Whats the good if everyone can use a different "model"? Maybe Im just being over sensitive to this because I have been through so much crap in the past and all to often It would appear things were looking up when you look at one credit report just to be shot back down by another and NOW to experience those same hits from within ONE Bureau!
Its interesting, it looks like Joe Schmoe Lender on one side of the street can pull up a TU report and get a number and then of all things TWEEK that number with his own so called "model" and then tell you one thing, and then I can go to Joe Schmoe Jr. across the street and he can pull up a report from the exact same bureau tweek it as well with his own "model" and have a whole different end result for me! Correct? If so.. then what the H*%@?
I have been working on improving my scores for years now, literally. I started with the purchase of my car with Cap 1 which I'm proud to say will be payed off this Aug with a flawless payment record as well as other CC's I've acquired since then and my scores have been so volatile during the entire time. And now that I am the closest Ive ever been to reaching the 700 mark (or so I thought til today) It just sucks to have the wind taken out of my sails yet again.
I guess, or maybe I should say I HOPE there will at least be a real and notable boost / change in my scores when my car loan is officially payed off.
Again I appreciate your patience with me on this. 
I wish I could tell you differently, but your scenario is exactly what can happen.
But, on a more positive note, mortgage lenders, due to the way their system is set up, all pretty much use the FICO04 versions. It is the Equifax version available here on myFICO site.
The Walmart FICO (which is the TU 08 FICO version), is known to be a bit more forgiving to people with just a little baddie, like a 30 day late or something.
Starting Score: 693 TU FICO, 679 EQ FICO 
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