Valued Member
Posts: 31
Registered: ‎08-15-2012
Re: myFICO vs. Lender Pulled Scores
[ Edited ]

I just had mine pulled yesterday for FHA loan this is what I found out.  I have been watching my scores very closely by all means necessary to get to this point.  I was able to raise them considerably in a few months.

 

TU -

FICO 692 (edit 792 was typo sorry)

creditkarma = 591 & transrisk 704

Lender 679

 

EQ -

FICO 646

per EQ website 639

Lender 646

 

EX -

per EX website - 667

Lender 692

 

Lender used credit technologies to pull scores they use the following formats (it comes with a nice report that lists all this out)

TU - FICO Classic 04

EQ - FACTA Beacon 5.0

EX - Fair ISSAC Ver 2

 

Hope this helps.

 

- 6/2012 - FICOs EX 550 TU 580
- Lots of work.....
- 9/20/12 - FICO EX 646 TU 692
- Dec 12 - Home purchase - Dec 14 Auto Purchase
- 6/10/13 - FICO EX 672 TU 690
- 1/22/15 FICO EQ 697 TU 732
It CAN happen to you!