Mortage pull scoring difference question

[coffeepleeze]

My LO pulled my trimerge scores on 7-11-13.  I compared them to my 3 scores I pulled from the 3 websites same day.  Can I assume going forward that the diff in points from that comparison will pretty much hold true going forward?  I decided to wait until I have more savings to proceed with buying a home and I'm trying to anticipate what my scores will be when we do another mortgage trimerge pull.  Any advice? 

07-11-13 EQ 629  TU 640  EX 653  Lender Pull

             EQ 629  TU 631  EX 607  Websites

                      0          9         46   Diff LP vs Websites

08-06-13 EQ 629  TU 658  EX 610  Current websites

                       0          9         46  Potential scoring diff

                   629       667       656  Potential new lender scores??

[DaBears]

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@coffeepleeze wrote:

My LO pulled my trimerge scores on 7-11-13.  I compared them to my 3 scores I pulled from the 3 websites same day.  Can I assume going forward that the diff in points from that comparison will pretty much hold true going forward?  I decided to wait until I have more savings to proceed with buying a home and I'm trying to anticipate what my scores will be when we do another mortgage trimerge pull.  Any advice? 

07-11-13 EQ 629  TU 640  EX 653  Lender Pull

             EQ 629  TU 631  EX 607  Websites

                      0          9         46   Diff LP vs Websites

08-06-13 EQ 629  TU 658  EX 610  Current websites

                       0          9         46  Potential scoring diff

                   629       667       656  Potential new lender scores??

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Are those Fico scores are Fako?

[coffeepleeze]

my EQ is Fico and the rest are FAKO's.  The lender pull scores are the typical they use for mortgage apps - Beacon 5.0, FICO (04) & Fair Issac.  Just wondering if the point spread betwn the lender pull scores vs the ones I pull, will stay consistant going forward??  just wondering if anyone else has done a comparison.  Thanks    

[Anonymous]

There is no correlation between FICO and FAKOs.  Your FAKOS can shoot way up or down and FICO not move and vice versa.

I will say that your FAKOs are much closer to the FICO scores than most I have seen.

[coffeepleeze]

well we knew the EQ Fico would match and it did.  And the TU wasnt that far off.  But the EX really pleasantly surprised me!  that's what prompted my question...

If Lender Pull for EX (Fair Issac v2) was 653 and my same day EX fako score from EX website was only 607, that's a positive diff of 46 points. 

do you think it would it be safe to "assume" that the Fair Issac v2 EX scoring method would continue to calculate 46 points higher than the EX fako i pull from experian.com ??

And the same goes for TU as well.  TU (Fico04) was 640, while TU score from TU website was only 631 - a positive diff of 9 pts. 

Now that my TU fako has jumped to 658, I'm hoping my next LP will again be 9 points higher at 667.

I know the 'real' answer is I guess I'll know once the lender pulls, but I'm just trying to go into this feeling confidently prepared

[llecs]

Your FICO and corresponding FAKO will never move in tandem. That's because your FICO factors in stuff that FAKOs don't and vice-versa. It's not uncommon to have your FICO increase and FAKO decrease for the same event, and vice-versa.

IMO, track your FICOs but don't worry 100% about them. Do all you can do and it'll all work out.

[coffeepleeze]

Thanks for the encouragement all!  Trying to draw correlations between all the diff versions is like trying to discover the meaning of life

My TU fako saw another bump from my util going down so I decided to go for it and contacted my new LO today.  She pulled my scores and while the pt spread was diff and actually flipped betw exp & tu, they both were thankfully higher than the fakos.  And so it begins