Questions

[physicist82]

Does anyone know how the experian site score (Scoreplus) usually compares to the Fair Isaac version 2 that our mortgage lender uses? 

We have been following a dispute with a report number on Experian. We had disputed 3 collections and so far 2 of them are removed with the 3rd one pending. Considering the BK is not on Experian anymore but doesn't fall off TU until July we were curious to see what the experian score was. We know its fake and not fico but the mortgage lender doesn't use the Fico 08 either (our trimerge report specifically says Beacon 5.0, Classic 04 and Fair Isaac ver 2) so we would rather get some idea of the score for $1 as opposed to spending $20 for a FICO that won't be close either. 

We didn't wait for the other collection to fall off (we assume it will since it is already removed from EQ and TU) because as soon as it does our lender will pull. 

I just wanted to know if anyone has had any recent experience where they knew their experian score and then had a lender pull as well and what the difference was. 

Our lender experian was 597 in May and the Scoreplus version says 673.

For comparison our EQ from the lender was 597 and our FICO EQ now is 648. (EQ has no collections, 1 card that we paid off hasn't posted yet and the BK should fall off by Aug.)

Also, does anyone know whether the Equifax monitoring service that offers FICO is 04 or 08?

[Anonymous]

The EQ Score Power FICO product is supposed to be 04, the same as used in the mortgage business.

If you compare the EX FAKO with the EX 04 FICO, then you are comparing two different scoring models, with different formulas and weights, and there will certainly be cases where they diverge.

[physicist82]

---

@Anonymous wrote:

The EQ Score Power FICO product is supposed to be 04, the same as used in the mortgage business.

If you compare the EX FAKO with the EX 04 FICO, then you are comparing two different scoring models, with different formulas and weights, and there will certainly be cases where they diverge.

Good, if EQ is the 04 version then the 676 that I just pulled for EQ Score Power will make it the higher or middle score. TU was our higher score before but I don't have a FICO update of that one just our cap1 version (which was 10 points lower then our mortgage pull before). 

I know the models for the FAKO's are different I was just hoping someone had some first hand experience comparing it to their mortgage scores. It sucks that none of the FICO scores from this site will give the 04 scores anymore. I have seen threads where just the diff between those 2 models can be 50pts or more.