Valued Contributor
Posts: 1,671
Registered: ‎05-24-2007
Re: My fico doesn't seem accurate

The EQ FICO here is the Classic Version of FICO 04 AKA Beacon 5.0. This is the most important FICO of all the EQ FICOs because it is the exact version used for a mortgage.


The car dealer could have pulled the Auto Industry version of FICO 04. Also could have pulled the Classic version of FICO 8 or the Auto Industry version or FICO 08.


Also, a difference of 597 to 605 is almost no difference, just 7 points.