Re: Lenders see different scores than consumers do
08-28-2012 05:34 PM
That definitely sounds like your EQ FICO. The lates must be very minor and/or so old that they don't matter much. It would be interesting to know the items helping and hurting your score from page 2&3 but that isn't relevant to your question.
Very, very few mortgages use anything else other than that EQ FICO plus the equivalent FICO 04 based Classic scores from TU and EX.
Next step would be to get the info on the score that Chase pulled. I suppose it is possible that they only pulled one but it would still be strange to use a score that wouldn't be used for the final mortgage application. I've heard of some lenders using a score that costs them less for a prequalification but that seems unlikely. Is it possible they confused Equifax with Experian?