Even if you identify the exact scoring model used by a lender, it's quite possible that they use additional criteria as well.
For example, they may automatically reject people with more than X hard pulls or new accounts in the last Y months.
So it typically makes the most sense to focus on optimizing report information rather than scores.
Another point is to focus on a single source of FICO scores (like the monthly Discover TU score), rather than multiple sources, since the results from applying multiple scoring models are not comparable with each other.
