Fico is the score that counts

[Anonymous]

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@masscredit wrote:

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@Anonymous wrote:

Welcome to the forums.

You are showing 2 EXP scores so the one that is 682 is actually your EQ score.  Only reason I know that is the EQ score from here is the exact same one your lender will pull.  The other 2 from here will vary as they are not the same versions as a lender uses.

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I've found that the score that DCU provides me with every month is exactly the same as the score that I receive here.  It's been a long time since I've pulled my TU from here and haven't done the EX. I might do that one just to see what it says.

So of the 3 that we get here, the EQ is the only score that is the same that lenders will see? 

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I guess I should have clarified myself.  When I said lenders, I was specifically speaking of mortgage lenders.  I think 99.999% of them use Beacon 5.

As for the rest of the creditors/scores, there are 49 versions/models of FICO scores and other than the few you can get with your CC, you will never know what they are going to pull.

[masscredit]

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@Anonymous wrote:

Well, only the lender can tell you what the exact EX and TU scores are because as the consumer we don't have access to those 2.

Knowing that your EQ 682 is your middle score, you know one will be higher and one the same or lower than 682.

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So no change of getting my real EX score unless I apply for credit from a lender that will provide it to me and with that, it would be a HP? 

Credit Sesame shows my EX score through them as 668. It's pretty much in the area of my other scores. My EQ score from here updated to 681 today.