HiLine wrote:
I officially received an alert today for an inquiry, and my score is the same: 699. So the difference is likely the result of various scoring models? Is the Score Watch score at least consistent with scores used by mortgage lenders? I guess my Score Watch score is really useless if it completely fails to predict the score used by my potential lenders.
That alert rules out quite a bit. So either your score increased then decreased (not too likely), or a different score version was used by that CC lender. I suspect the latter.
If you applied for a mortgage tomorrow, your EQ from here will match your lender's score. Virtually all mortgage lenders use the Beacon 5.0 EQ FICO, same as on here.
