Fico 3-B ULTIMATE

[Anonymous]

I got all 19 scores.  7 for experian, and 6 each for TransUnion and Equifax.  If you're on a computer, just click the link on the dashboard page under your 3 Fico8 scores that says "View additional FICO score versions used in mortgage, auto, and bankcard decisions"   It'll show the other scores seperated by each of the CRA's, and the name of the score model.

[Bug101]

I have those as well, however,mortgage companies use fico 4, makinng that one the most IMPORTANT one of all. Fico knows this fact so why they are claiming Fico 8 is for mortgages is just not true. This is also why people are finding the Fico scores they get from myfico is not matching their scores when applying for a mortgage.  When over 90 percent of all mortgages go through Freddie and Fannie, how can myfico claim Fico 8 and the other one is primarily used by mortgage companies? This is false and very misleading.  Credit cards, auto loans and personal loans do vary from the other models but over 90 percent of mortgages MUST use Fico 4 so why they are not giving it as well is just wrong.

again I say this because Fico has been trying to sell their updated Fico models to Freddie and Fanniem for YEARS. They even created Fico 9 in order to compete with vantage who has been desperately been tryingm to get them to buy their model as well.

[iv]

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@Bug101 wrote:

Especially when I was promised 19 scoring models and only got 6, I plan to call them tomorrow about this.

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Umm... If you only see 6 in "FICO Score Versions", I strongly suspect you missed the little tabs on top, to toggle between the CRAs - you'll see six scores from EQ by default, but if you click on TU, you'll see six different scores, and if you click EX, you'll see seven different scores. 6+6+7=19.

[iv]

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@Bug101 wrote:

I just realized that I am only getting 6 fico scores from the ultimate and not the 19 as promised and paid for. Whats is worse, it is missing fico 4 which Freddie and Fannie use and matters most for mortgages.  From my research, Fico 8 is primarily used by major credit card companies and some major auto companies.

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On the MyFICO 3-B Score Report, the scores used for mortgages are:

• Equifax FICO Score 5

• Experian FICO Score 2

• TransUnion FICO Score 4

That's the set that is frequently (but not quite correctly) referred to here as "FICO04", and will be exactly the three a mortgage lender will pull.

[Anonymous]

Just for Clarification...

My copy of my lender pull shows:

Equifax Beacon 5.0        

Experian Fair Isaac V2

Trans Union Fico Risk Score Classic 04

[Kelsey_H]

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@Bug101 wrote:

I just realized that I am only getting 6 fico scores from the ultimate and not the 19 as promised and paid for. Whats is worse, it is missing fico 4 which Freddie and Fannie use and matters most for mortgages.  From my research, Fico 8 is primarily used by major credit card companies and some major auto companies.

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Hi there,

Each of the FICO Score products offered at myFICO.com include FICO Score versions. To view your most recently obtained other FICO Score versions, simply log in and click the link that says “View additional FICO Score versions used in mortgage, auto and bankcard decisions.” It’s located directly under your FICO Score 8 from each bureau. You can also click the Scores tab in the top navigation bar from any page once logged into your member center record.  If you continue to have trouble viewing your FICO Score versions, please call customer service so they can assist you: 1-800-319-4433.

The FICO Scores most commonly used in mortgage loan lending are FICO Score 2 based on Experian data, FICO Score 5 based on Equifax data and FICO Score 4 based on TransUnion data – which is why we include them in any myFICO credit report pull (including FICO Ultimate 3B and FICO Score 3B Report). For more information about FICO Score versions,  check out our education page on the topic: http://www.myfico.com/CreditEducation/FICO-Score-Versions.aspx

Hope that helps!

[Bug101]

Thanks to all of your comments you have helped me with my confusion regarding the reports. Thank you all.

You guys really are a GREAT community for this stuff.

Thanks again.