ok so question for all of you.....
my mortgage guy pulled my credit in Jan 2015 and here is where i came out:
Equifax: 590
Trans Union: 662
Experian: 606
In order to qualify for "automated underwriting" approve/eligible i need a median of 640.....
have been working on credit utilitization etc.
so for February i paid down cards (I don't have huge limits) to under 30% and then pulled my reports/paid for my scores through annual credit report last week....
Equifax: 636
TransUnion: 655 (from FICO on my Barclays account)
Experian: 678 (i pulled experian directly through Experian)
So obviously i still have work to do....and mortgage broker told me to pay down to 10% or below for credit utilization for bigger bump (my overall utilitization was 19%) but he said it needs to be below 10%.
On the report he pulled in January i see the Source/Model info as follows:
Experian/Fari Isaac (Ver. 2)
Transunion/FICO Classic (04)
Equifax/FICO classic V5 FACTA
so my question......how can i see for myself (don't want him to pull as i don't want to be DINGED for inquiry) what my real score is that the lender sees?
Pulling FICO 8 isn't the same model and seems pointless, right?
I have two of my C/Cs that close on March 12th and 14th that are set to be paid and then i will be under 10% for those two.
Should i expect a score change when that update happens?
I am sooo anxious over all of this...losing sleep.....worried i won't get qualified and i need to move in the coming months.....
Thank you guys for any input.
Thank you.....that is what i thought but wanted to make sure.
Now its figuring out how to get that 640 median.....
...a succinct reply if I ever saw one 
@Anonymous wrote:Hello,
I just signed up for the 3B with scores $25.00/month plan (last week) and it gave me my TU04 mortgage score. Must have been implemented last week and I got lucky.
Ooh thanks for the heads up!
I can't find the Transunion disclaimer anywhere on the site anymore so it's entirely possible that it's been added. Going to look for confirmation, and will be pulling my 3B report anyway on 3/16 morning before I submit my first mortgage application regardless.
@Martis wrote:I pulled my transunion yesterday and I can confirm that now TU hax the extra scores also. PERFECT!
Thank you for the confirmation! I've added the information to the main post.
@zulutulu wrote:With regards to the mortgage scores shown below the "standard / classic" fico 8 score, the notation above the mortgage score refers to that score as being the "previously used version" or something to that effect????? Anyone able to shed light on that notation? Also, all of my scores jumped from the 710 range a few months ago (standard fico) to the 740 range for no obvious reason, and last month fell back again with no significant changes to my credit reports. As Commodus would say, "I am vexed, I am greatly vexed! Any tweaking of the scoring model recently? By the way, thanks to all you folks who share on here, tremendously helpful and appreciated.
It simply means that isn't the current version that FICO is currently marketing / selling... and frankly, should be ignored. The fact is that lenders will determine which version they wish to use, and that's what matters at the end of the day. For mortgages we explicitly know which ones are being used, and in this case the "previously used version" is actually the legit gold standard for a mortgage application.
The individual scoring models haven't changed, quite likely there was a change in the underlying reports (like a dispute) which was then rectified / updated back to original status. There may be some wonkiness in the system but it's unlikely it would've affected all three bureaus similarly, so this one was likely a legit temporary change in my opinion.