Fico scoring on TU and EX

Hopingforamortgage · ‎03-13-2014

Pop quiz. Let's see if I understand this correctly shall we?

After a lot of work, TU is at 707. EQ refuses to remove just about anything even the obsoleted that are so close.... soo close to coming off. It's 676 puree Fico as of late last week. Experian shows the lowest score at 646.

Quiz time. Experian is actually a fairly decent resort compared to Equifax. It has a baddie that TU does not, but has removed a few things Equifax has left on.

We sincerely need to find a house. If we don't buy something in the next couple of weeks we are going to need to sign a contract to rent for a year. (Cross country move for work and living with parents since late November while homeschooling ten children. Good bless our parents. They are in FL for the winter but we really need to not be here for what feels like forever.)

We are waiting for a dispute to remove an item (paid charge off) that should not be on Equifax as it is an AU account. We've had to escalate it to filling a complaint but I have faith it will be gone within a week.

The question: Can I safely assume done the EX is really a Gallo from FICO that when lender pulls come through that EQ will most likely be my low score? Would love for the low to be 680. A month and a half ago that number was 622.

We're VA eligible so a 680 would be lovely.

user5387 · ‎03-13-2014

I believe that the EQ 04 score available on this site is the closest thing you'll find to a score used by mortgage lenders.

Assuming this, then you can compare your EX and TU reports with what is on EQ, and gauge whether the scores for them will likely be similar.

DrMac210 · ‎03-13-2014

@user5387 wrote:
I believe that the EQ 04 score available on this site is the closest thing you'll find to a score used by mortgage lenders.

Assuming this, then you can compare your EX and TU reports with what is on EQ, and gauge whether the scores for them will likely be similar.

FYI, I just had a lender pull yesterday and the EQ is a Beacon 5.0 score which is the EXACT same score as here on myFico.

My TU score from the lender was 14 points lower than the TU score here at myFico, while my EXP score from the lender is 77 points higher than my myFico EXP!!

Starting Score: EQ 641, TU ???, EX ??? (myfico 6/7/13)
Current Score: EQ 760, TU 740, EX 750 (myfico July 2015)
Goal Score: 800 across the board

Take the myFICO Fitness Challenge

AndySoCal · ‎03-13-2014

The mortage lender will use the middle score not the highest or the lowest score.

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 03/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney )
JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 20,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000
Banking: Langley FCU Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Red-stone FCU Hughes FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO

Hopingforamortgage · ‎03-13-2014

Thank you for posting that. It's actually along the lines of what I'm thinking... I suspect my TU is close to accurate, perhaps a little high. And I think my Fico EX is probably about fifty points low considering EQ is probably accurate and EX is cleaned up more. Interesting!

AndySoCal · ‎03-14-2014

If the Experian FICO score is from my FICO that is the latest score model. The lender will pull Experian FICO v2, Equifax Beacon 5.0 and Trans Union FICO classic 2004. The Experian model pulled by the lender is tow versions older than the latest FICO 08. This score model uses 14 day period on auto and mortage loans to make them single inquiry. The later models this has been expanded to 45 days. This score model will think some what like the TU score from my FICO. I say that because the my FICO TU score because of the number of dup days on mortgage and auto loans is the same. That said do not think that the score will be the same it may not be due to differences in what has been reported to each bureau and when the data has been reported. Please look at the score reasons that is hurting your score and try to do something to address them if possible. The score reasons are in order of impact. I hope this helps.

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 03/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney )
JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 20,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000
Banking: Langley FCU Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Red-stone FCU Hughes FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO

Imperfectfuture · ‎03-16-2014

@AndySoCal wrote:
If the Experian FICO score is from my FICO that is the latest score model. The lender will pull Experian FICO v2, Equifax Beacon 5.0 and Trans Union FICO classic 2004. The Experian model pulled by the lender is tow versions older than the latest FICO 08. This score model uses 14 day period on auto and mortage loans to make them single inquiry. The later models this has been expanded to 45 days. This score model will think some what like the TU score from my FICO. I say that because the my FICO TU score because of the number of dup days on mortgage and auto loans is the same. That said do not think that the score will be the same it may not be due to differences in what has been reported to each bureau and when the data has been reported. Please look at the score reasons that is hurting your score and try to do something to address them if possible. The score reasons are in order of impact. I hope this helps.

Have problem, and am requesting refund, for the experian pull I did on this site. I fully expect the case of lender pull for experian to be higher. MyFico shows payments on delinquent account from 2008 expected to roll off feb 2014, as having payments in 2012. While I'm sorting high with some baddies off, and just about everything off by feb 2015, they are showing for experian a score of 598, back in the dark ages. No one shows that score. I had faith in this site, but the 08 model can't work if you din't even have accurate data, and are showing a charged off account as active and open. Tsk, tsk.

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Anonymous · ‎03-16-2014

@Imperfectfuture wrote:
@AndySoCal wrote:
If the Experian FICO score is from my FICO that is the latest score model. The lender will pull Experian FICO v2, Equifax Beacon 5.0 and Trans Union FICO classic 2004. The Experian model pulled by the lender is tow versions older than the latest FICO 08. This score model uses 14 day period on auto and mortage loans to make them single inquiry. The later models this has been expanded to 45 days. This score model will think some what like the TU score from my FICO. I say that because the my FICO TU score because of the number of dup days on mortgage and auto loans is the same. That said do not think that the score will be the same it may not be due to differences in what has been reported to each bureau and when the data has been reported. Please look at the score reasons that is hurting your score and try to do something to address them if possible. The score reasons are in order of impact. I hope this helps.
Have problem, and am requesting refund, for the experian pull I did on this site. I fully expect the case of lender pull for experian to be higher. MyFico shows payments on delinquent account from 2008 expected to roll off feb 2014, as having payments in 2012. While I'm sorting high with some baddies off, and just about everything off by feb 2015, they are showing for experian a score of 598, back in the dark ages. No one shows that score. I had faith in this site, but the 08 model can't work if you din't even have accurate data, and are showing a charged off account as active and open. Tsk, tsk.

A little confused here. You are aware that the information myFICO gets is directly from EX and is not from this site. If it is showing something other than what a pull directly from EX shows, it is a formatting issue. It is not going to change your score in any way. If you were able to get a FICO score from EX it would be exactly what it is here as the data is exactly the same.

Imperfectfuture · ‎03-17-2014

@Anonymous wrote:
@Imperfectfuture wrote:
@AndySoCal wrote:
If the Experian FICO score is from my FICO that is the latest score model. The lender will pull Experian FICO v2, Equifax Beacon 5.0 and Trans Union FICO classic 2004. The Experian model pulled by the lender is tow versions older than the latest FICO 08. This score model uses 14 day period on auto and mortage loans to make them single inquiry. The later models this has been expanded to 45 days. This score model will think some what like the TU score from my FICO. I say that because the my FICO TU score because of the number of dup days on mortgage and auto loans is the same. That said do not think that the score will be the same it may not be due to differences in what has been reported to each bureau and when the data has been reported. Please look at the score reasons that is hurting your score and try to do something to address them if possible. The score reasons are in order of impact. I hope this helps.
Have problem, and am requesting refund, for the experian pull I did on this site. I fully expect the case of lender pull for experian to be higher. MyFico shows payments on delinquent account from 2008 expected to roll off feb 2014, as having payments in 2012. While I'm sorting high with some baddies off, and just about everything off by feb 2015, they are showing for experian a score of 598, back in the dark ages. No one shows that score. I had faith in this site, but the 08 model can't work if you din't even have accurate data, and are showing a charged off account as active and open. Tsk, tsk.
A little confused here. You are aware that the information myFICO gets is directly from EX and is not from this site. If it is showing something other than what a pull directly from EX shows, it is a formatting issue. It is not going to change your score in any way. If you were able to get a FICO score from EX it would be exactly what it is here as the data is exactly the same.

No it's not. I pulled the report itself, and it's not the same as shown, nor those whom pull the report, as myfco shows.

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