I said credit card not mortgage. I'd use FICO for mortgages specifically. The last 2 credit cards I got had scores within 5 points when I ordered directly from the CRA and not one of  those "get all 3 scores!" deals....I don't expect the scores to be EXACTLY the same. I do know there is a disclaimer on the websites saying they are using a proprietary model to simulate a score -- I just didn't think it would be 50+ points off.