Re: Lenders see different scores than consumers do
04-23-2011 03:29 PM
Ok, I changed my equifax from the 3 in 1 monitor service to scorewatch, but how do I get the Trimerged. This lender used Equifax Mortgage services, since thats what showed up as a hard inquiry when they pulled my scores. Actually they were higher the day he pulled it, since as soon as I paid down my american express blue cash card from 1500 to 111. My score dropped 25 points!
But how do I get the trimerged report they get?
Mortage lenders suscribe to a service that pulls what they call a trimerge that gives you a beacon 5.0 score for your equifax report , a fico score for Experian which I believe is called Fico Nextgen (someone correct me if am wrong on the nextgen name for EX) and I believe TU04 Fico for Transunion report.
As a consumer you can get 2 out of 3 fico scores from here and you will get the same Beacon 5.0 from here for EQ You will get TU98 not TU04 from here and as has already been touched you are not able to get your EX score from here.
FICO scores are what are used industry wide getting scores from other sources other than those listed above and by other posters will surely cause you to see disecrepancies and you are definitely comparing proverbial apples to oranges