Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
Re: myFICO vs. Lender Pulled Scores

Balbanes wrote:

Some lenders will buy a certain scoring model from fico. The ones that myfico gives us is their general CC model. But there are mortgage/auto enhanced fico scores. There are newer and older scoring models. FICO has many products for their lender customers. So yes your score could change dependant on the scoring model purchased by the lender.

Actually, the scores here are (or have been) the mortgage scores, not the CC versions. Smiley Happy


The Equifax score is 99% likely the EQ score your lender will pull. The industry name for it is Beacon 5.0.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007