Experian online FICO v/s PSECU

[CS800]

I'm subscribed to the EXP credit monitoring and I get an actual FICO (not their plus score).

It even says FICO® Score and next to it I also have the PlusScore tab

Now I also get PSECU and got mine today.

My score from EXP site is 769 with Plus Score 794 but PSECU is showing 792.

What's the difference in the scoring model (ignore the Plus Score)

[Anonymous]

FICO 8 (EX) vs FICO 2 (PSECU)

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/PSECU-FICO-8/m-p/4071166/highlight/true#M...

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/PSECU-FICO-8/m-p/4071166/highlight/true#M...

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Accuracy-of-PSECU-Fico-Score/m-p/1557122/...

[CS800]

Thanks for the info. Which one is most widely used? I would assume FICO 02?

[Revelate]

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@CS800 wrote:

Thanks for the info. Which one is most widely used? I would assume FICO 02?

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FICO 8 by a landslide numerically; in terms of smaller lenders and the mortgage industry, EX 98 aka FICO Risk Model v2.