More than likely different scoring systems from the two lenders/providers.
My MyFico TU score is 700+, On Barclay Fico TU its 630 something. But they use two different models.
@Anonymous wrote:frustrated and need help may be a dead horse for yall but very real for me
Lender BoA is telling me my FICO is Exp- 623 Equi-646 now what i just bought tells me Exp-732 Equi-723 obviously this is a huge difference. please inform me about what is going on or what the heck im missing.
EQ and EX purchased here are the 08 models, and could definitely be different elsewhere. That's a big gap though. Do you happen to have a collection on your report for less than 100 bucks?
@Anonymous wrote:how do i get the 04 FICO?
and yes there was a collection of $73 that i found and then paid
That's why there is a big difference. The 04 model that they are pulling still factors in collections that are under $100. The newer 08 model, which you are buying here, doesn't count collections under $100. That's why the big difference.
And you can't buy an 04. EQ 04 was available for purchase here up until a few months ago. Now EQ 08 is sold.
@-NewGuy- wrote:
@Anonymous wrote:how do i get the 04 FICO?
and yes there was a collection of $73 that i found and then paid
That's why there is a big difference. The 04 model that they are pulling still factors in collections that are under $100. The newer 08 model, which you are buying here, doesn't count collections under $100. That's why the big difference.
And you can't buy an 04. EQ 04 was available for purchase here up until a few months ago. Now EQ 08 is sold.
Well just for an bit of clarity you can't buy eq08 here, but on equifax website you can buy eq04 still. You just need to be careful you buy the right one i think its called score watch 19.95 is the price.
@mongstradamus wrote:
@-NewGuy- wrote:
@Anonymous wrote:how do i get the 04 FICO?
and yes there was a collection of $73 that i found and then paid
That's why there is a big difference. The 04 model that they are pulling still factors in collections that are under $100. The newer 08 model, which you are buying here, doesn't count collections under $100. That's why the big difference.
And you can't buy an 04. EQ 04 was available for purchase here up until a few months ago. Now EQ 08 is sold.
Well just for an bit of clarity you can't buy eq08 here, but on equifax website you can buy eq04 still. You just need to be careful you buy the right one i think its called score watch 19.95 is the price.
I didn't know you could buy an EQ 04 on their website. But you can purchase an EQ 08 here, that's all that is sold here for EQ.
@-NewGuy- wrote:
@mongstradamus wrote:
@-NewGuy- wrote:
@Anonymous wrote:how do i get the 04 FICO?
and yes there was a collection of $73 that i found and then paid
That's why there is a big difference. The 04 model that they are pulling still factors in collections that are under $100. The newer 08 model, which you are buying here, doesn't count collections under $100. That's why the big difference.
And you can't buy an 04. EQ 04 was available for purchase here up until a few months ago. Now EQ 08 is sold.
Well just for an bit of clarity you can't buy eq08 here, but on equifax website you can buy eq04 still. You just need to be careful you buy the right one i think its called score watch 19.95 is the price.
I didn't know you could buy an EQ 04 on their website. But you can purchase an EQ 08 here, that's all that is sold here for EQ.
oops i just re read my post yes you can buy eq08 here, and eq04 on equifax site. Fat finger typing on my nexus 7 :-(