My fico 3B scores incorrect?

[Anonymous]

Today we did a rapid rescore via our LO and I also paid for a new 3B report today from MyFico. Our scores came back different. Anyone have this issue before where your scores didn’t match? If we can use the 727 EX as our midscore, that changes a lot of things for our loan and down payment options.

LO mortgage scores/MyFico

TU 713/733

EX 727/727

EQ 683/688

 *i posted this I’m the mortgage loan forum too. We are submitting our loan docs today I need to know if we should pull our reports again with our LO.

[Kree]

Scores are generated by the request. So 2 requests 10 seconds apart could have different scores if information changed between the two pulls.  Did you do your score before or after the rescore?

[Anonymous]

I pulled MyFico a few seconds after

[Anonymous]

Only 3 factors go into a FICO score.  The scoring model used, the bureau data used and the point in time that these first 2 pieces of data were used.  If you are seeing different scores, 1 or more of these 3 pieces of data isn't consistent.  All FICO scores are correct, as all of them use these same 3 pieces of data to generate a score; Whatever you received from MF is accurate.

[AndySoCal]

For mortgages  the score models are TU FICO 2004 or 04, Equifax Beacon 5.0 , Experian it is FICO V2 or something close to it.

[Revelate]

The scores should match if the lender is using the standard trimerge.  The fact one of them does match suggests they are and the pulls just happened at different times.

I'm assuming you paid off balances or similar; I would ask the LO for the balances of the things you thought were supposed to change and compare them with the report you got here from myFICO.  If those are different, and if you know the myFICO one to be right, pay to have another pull done.

[Anonymous]

I am having a similar problem with my loan. My initial pull from my lender had my middle score at 695... I went to work & many accounts have updated huge balance deductions & many now showing 0 balances.. I paid for the 3 b it had my middle score showing @ 713... I asked my lender to re pull a fresh report to lock a rate & He states it is still 695... No new pull showed on my monitors.. Is he full of "It" or is the 3b ?

[Anonymous]

It sounds to me like he either didn't do another pull, or the 695 that he's coming up with is from a different scoring model than the scores you're looking at.