@Anonymous wrote:Hey folks! First post here. My wife and I recently applied for a home loan, and I've been tracking my scores on MyFico. com (804,800,809). When we received a copy of our loan application to sign, the scores retrieved by the bank were quite a bit lower (783,777,787). I asked the processor about this and she said that scores retrieved on MyFico are not always accurate. Anyone have any insight into this discrepancy?
Happy holidays!
Hello and happy holidays! Mortgage lenders use a different scoring model than credit card companies and myfico. 
@Anonymous wrote:
@Anonymous wrote:Hey folks! First post here. My wife and I recently applied for a home loan, and I've been tracking my scores on MyFico. com (804,800,809). When we received a copy of our loan application to sign, the scores retrieved by the bank were quite a bit lower (783,777,787). I asked the processor about this and she said that scores retrieved on MyFico are not always accurate. Anyone have any insight into this discrepancy?
Happy holidays!
Hello and happy holidays! Mortgage lenders use a different scoring model than credit card companies and myfico.
+1
Both mortgage lenders and auto financers use different score versions than are used here. The scores here are used more in the credit card world. I wish MyFico.com was more upfront about that, but that's the reality. In any case, you have impressive scores and you're lucky that your FICO '08s were as close as they are to your mortgage scores. Some poor souls find that the difference is much more than that. Quite a few people on the low end have struggled to bring their scores above 620 or 640 or whatever so they can apply for a mortgage, then are shocked to discover that they can't qualify after all because of the difference in score models.