Experian Dashboard Score vs Experian Soft Pull Mortgage Refi Score

[AutoBot]

If I log into my experian dashboard, I see one score. When I have my mortgage company to a soft pull for a refi, the score is very different.

Which one is accurate?

Experian Dashboard: 678

Soft Pull Experian Score: 741

[dragontears]

---

@AutoBot wrote:

If I log into my experian dashboard, I see one score. When I have my mortgage company to a soft pull for a refi, the score is very different.

Which one is accurate?

Experian Dashboard: 678

Soft Pull Experian Score: 741

---

Dashboard is FICO8 

Mortgage score is FICO2

Completely different models 

[FireMedic1]

There's 28 versions. You can grab them all at credit.com for free and then cancel before the trial ends. You'll see what the lenders are seeing.

[pizzadude]

This stickied thread is very detailed and should be helpful to you in understanding the differences:

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-versio...

[AutoBot]

And those will show me which versions are used for which type of lending (credit card, home, etc)?

[pizzadude]

Mortgage lenders pretty much exclusively use the older "mortgage" scores, and many auto lenders will use auto enhanced scores but there isn't a ton of consistancy outside of this.

Banks / CUs can pull an auto, bankcard score, 8, 9, classic score, or other version, if you search on specific lenders you should be able to find more information.