Which version of FICO is used on MyFICO?

[haulingthescoreup]

Hmmm, don't know about those double lines there, but Equifax is Beacon 5.0 and TransUnion is TU98. Apparently things are finally starting to move on converting to TU04, but there's still no date.

[smallfry]

---

@haulingthescoreup wrote:
Hmmm, don't know about those double lines there, but Equifax is Beacon 5.0 and TransUnion is TU98. Apparently things are finally starting to move on converting to TU04, but there's still no date.

---

I keep hearing that TU 04 is a bit less friendly. I imagine like everything else YMMV. My TU is 30 points higher than my EQ currently but my TU AAofA is 2 years longer and oldest account 6 years older. I imagine my TU 04 would still be miles ahead of my currently neutered EQ no?

[medicgrrl]

My TU04 is much better than my 98 score.  I'm not really sure what the differences are in the scoring models to know why

[Anonymous]

I don't understand why the FICO scores offered here aren't the same ones offered to creditors and banks.  what i mean is, who uses the 98?  isn't that what get here?