Differance from MyFico.com and what my lender saw

[Anonymous]

I am sure you all have seen this post before but I could not find on similar.  So here it goes.

I pulled my three scores from MyFico.com and they are as follows TU 612, EX 554, EP608.  Good enough for a FHA loan? Right?  Here is the problem, my lender said that my EX score was 554, EP 608, and my TU was 560.  Why do the others match and the TU different?  Am I missing something here?  Two match on the third does not match, Huh. Do they use a different scoring system

Fico Guru Please help

Michelle

[haulingthescoreup]

TU changed formulas several years back. When this sort of thing happens, myFICO doesn't change the scores available here until 50% of lenders are using the newer version.

My understanding is that we are now at this point, and they are in the process of making the switch. Don't know how long it will take, though.

That's a pretty big difference. How long ago did you pull your TU here? It looks like there might be more than different formulas at work... maybe new balances posting, or something?