My fico score does not match

[p-]

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guiness56 wrote:  FICO 08 doesn't include collections and I believe PRs for 100 or less;  utilzation on 08 is scored harder for those with high balances.  At one time  AU accounts were not factored in but I think that has since changed.  And I think they are more lenient toward rare missed payments. 

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Thanks, Guiness... useful info.  Shame there's no way to buy the score the lender actually uses.  I guess we'll wait and see what the OP lists as his baddies.  

I've been meaning to ask you; what is your beverage of choice for the other half of a black and tan?

[Draco007]

This just happened to us too with Experian FICO.  Here we pulled a 691 and the credit union pulled a 635.  We have no baddies, just high utilization on exisiting credit cards and a new mortgage.   It's so far off, what's the point of buying it?

[guiness56]

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@Draco007 wrote:

This just happened to us too with Experian FICO.  Here we pulled a 691 and the credit union pulled a 635.  We have no baddies, just high utilization on exisiting credit cards and a new mortgage.   It's so far off, what's the point of buying it?

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Do you know what version the CU used?  Even for an EX08 there is the bankcard enchanced score which weights CC TL more heavily.  And your utilization.

[Shogun]

It depends on what's used.  I know that more lenders are starting to use the EX08 version, but many mortgage lenders are still using the EX v2.  And different banks, CUs, etc. might pull other versions.