I decided to do a little more digging into why my TU score can be as much as 50 points off depending on who pulls it. One would think that if they are pulling a FICO score they would be using the Fair-Isaac model since they came up with the formula, but no. Just for fun I called some of the main Mortgage companies to find out if the company they use to pull CR's uses the Fair-Isaac model. Much to my surprise when it comes to TU there are over 6 different FICO models they can use. So my question is are these models being used fall in line with FAKO scores or if not do I have so figure out whose models are being used and pull 6 different reports to get 6 different scores?? It seems to me with the exception of EQ, both TU and EX pulls can use any model they choose. The other issue is most of these places are insistant on using their own scores even though you can prove the score higher based on how Fair Issac calculated it.
