Why is my Trans union fico from lender different than my fico score from myfico???????????????

[Anonymous]

I paid and pull my fico score from myfico a noon today and it was 611 which almost made me not go for a mortgage  when the bank pulled it at 2:30pm on the same day my transunion Empirica score was 683 and good to go.  thats a 72 point difference and it made me wish i had saved my money from buying my fico score from this site.  This site offfers great information and has helped me alot in rebuilding my credit but it im not getting accurate scores then why buy i might as well get a fako at least it was closer by 50 points.

[hoping2rebuild]

They could have pulled a Mortgage enhanced score

which would be different.  I could be wrong on this

hoping a MOD can chime in.

[MarineVietVet]

 vwe

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@Anonymous wrote:

I paid and pull my fico score from myfico a noon today and it was 611 which almost made me not go for a mortgage  when the bank pulled it at 2:30pm on the same day my transunion Empirica score was 683 and good to go.  thats a 72 point difference and it made me wish i had saved my money from buying my fico score from this site.  This site offfers great information and has helped me alot in rebuilding my credit but it im not getting accurate scores then why buy i might as well get a fako at least it was closer by 50 points.

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Welcome to the forums.

I agree that the lender may have pulled a mortgage enhanced TU score which would explain a difference. Plus the TU score here is the older TU98 version which is still used by many lenders but is being replaced more and more by the newer TU04 and TU08 versions.

All the versions score factors a bit differently and this also would account for the point variance you saw.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

Bigdawg,

Did you pull an Equifax FICO score here?  Or a TransUnion FICO score?

I'm asking because of your other post which, IIRC, indicates you have a BK on your Equifax; which is no longer reporting on your TransUnion??

[Anonymous]

i pulled both  but i could only compare one which was the transunion

[Anonymous]

Oh, good!

Given that the BK is still on your Equifax, what is your Equifax FICO score?  If you don't mind sharing......  Inquiring minds like to know these kinds of things (well, at least here on the myfico boards they do)!

[pizzadude]

Transunion, and all the CRAs, sell many, many many variations of their FICO scores, this is just a partial list:

Product Code	Old Name	New Name
002	EMPIRICA 95	FICO® Risk Score, Classic (95)
004	EMPIRICA PF 95	FICO® Risk Score, Classic Personal Finance (95)
008	EMPIRICA AU 95	FICO® Risk Score, Classic Auto (95)
016	EMPIRICA IL 95	FICO® Risk Score, Classic Installment Loan (95)

950	EMPIRICA SCORE	FICO® Risk Score, Classic (98)
990	EMPIRICA AU	FICO® Risk Score, Classic Auto (98)
991	EMPIRICA IL	FICO® Risk Score, Classic Installment Loan (98)
992	EMPIRICA PF	FICO® Risk Score, Classic Personal Finance (98)
993	EMPIRICA BC	FICO® Risk Score, Classic Bankcard (98)
P02	EMPIRICA 2004*	FICO® Risk Score, Classic (04)

256

EMPIRICA BC 95

FICO® Risk Score, Classic Bankcard (95)

I'm guessing that your LO pulled the installment loan variety.    The TU version you can buy at MyFico is just the classic '98 variety.

Confused yet ?   I know I am.    

[LS2982]

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@Anonymous wrote:

I paid and pull my fico score from myfico a noon today and it was 611 which almost made me not go for a mortgage  when the bank pulled it at 2:30pm on the same day my transunion Empirica score was 683 and good to go.  thats a 72 point difference and it made me wish i had saved my money from buying my fico score from this site.  This site offfers great information and has helped me alot in rebuilding my credit but it im not getting accurate scores then why buy i might as well get a fako at least it was closer by 50 points.

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It is possible that your lender pulled a different version of TU (ie: Mortgage enhanced, 08, 04)

myFICO's TU FICO score is a TU98 score.