sorry guys, I appreciate the suggestions, but now I'm even MORE confused than I was before 
Is Equifax Score Power (FICO '04) available somewhere?
Sorry to ask such a seemingly silly question, but there are SO MANY different versions of all of these scores I don't even know where to turn now that EQ and TU have changed their scoring.... again. UGH!!!!!
Also, my mortgage company pulls all three .... so I need to check...all three. However, I heard that the mortgage industry has standardized on one version (FICO '04)??
Any guidance on where I can get my hands on TU/EX utilizing FICO '04?
@Barneygirl wrote:sorry guys, I appreciate the suggestions, but now I'm even MORE confused than I was before
Sorry to ask such a seemingly silly question, but there are SO MANY different versions of all of these scores I don't even know where to turn now that EQ and TU have changed their scoring.... again. UGH!!!!!
Also, my mortgage company pulls all three .... so I need to check...all three. However, I heard that the mortgage industry has standardized on one version (FICO '04)??
Any guidance on where I can get my hands on TU/EX utilizing FICO '04?
I believe that mortgage companies typically pull all three 04 scores.
Sources for these scores:
EX 04 - PSECU
EQ 04 - DCU, EQ web site (Score Power FICO product)
@iv wrote:
Revelate wrote: Hate to say this but none of the scores currently purchasable from myFICO are used in a mortgage.Yeah... Not offering any FICO 04 options here, when that's all that almost any mortgage app will currently look at - kinda makes some of the myFICO marketing materials at best out-of-date, and at worst intentionally misleading.
Consider these:
Your FICO® score is essential for getting a good mortgage – today more than ever.
http://www.myfico.com/helpcenter/mortgages/buying_a_home.aspx
Make sure you know your score!
Knowing that a good FICO® score can save you thousands of dollars each year on your mortgage, can you afford not to know yours? Most mortgage lenders will look at your FICO scores from TransUnion, Equifax and Experian when evaluating your loan application. myFICO recommends that you ask your mortgage lender what your FICO scores need to be to qualify for their best rates and then check your scores. If your FICO scores aren't high enough, it may be in your best interest to wait until your scores change. If your score meets your lender's requirement for the rate you want, then now might be a good time to refinance. Knowing your FICO scores will help you make the best decision.
Get the Score Lenders Use to Evaluate Your Home Mortgage Loan
http://www.myfico.com/loancenter/mortgage/step1/getthescores.aspx
After you’ve determined that you’re ready to buy a home, you need to understand how lenders see you. Lenders will determine your credit-worthiness based on your three FICO® scores.
By getting your scores, you can be sure that you know the kind of loan offers you should be receiving before lenders present you with numbers.
Both claim that the myFICO-reported scores will be representative of the scores pulled for mortgages - questionably true back when it was 98/04/08 being pulled for TU/EQ/EX, but completely false now, with FICO 8 across the board on all three.
With incorrect information like that being provided by myFICO, is it really a surprise that new people coming to these forums are frequently confused about the scores provided here, and how they relate to those from their brokers/lenders?
Unless myFICO knows something we don't (Are the GSEs about to switch to FICO 8? Possible, but unlikely.) - They need to either remove the text indicating that mortgage-related scores can be pulled here, or add a dual '04/'8 display by default (would be nice, but also unlikely).
@Revelate: I know you're a non-employee volunteer moderator, but can you try to point one of the staff mods at this?
Was already thinking that before I was halfway through your message: thank you for doing the research and posting this as I think it's a good and salient point.
I'll forward it to the FICO community folks, thank you again.
@Revelate wrote:
@iv wrote:
Revelate wrote: Hate to say this but none of the scores currently purchasable from myFICO are used in a mortgage.Yeah... Not offering any FICO 04 options here, when that's all that almost any mortgage app will currently look at - kinda makes some of the myFICO marketing materials at best out-of-date, and at worst intentionally misleading.
Consider these:
Your FICO® score is essential for getting a good mortgage – today more than ever.
http://www.myfico.com/helpcenter/mortgages/buying_a_home.aspx
Make sure you know your score!
Knowing that a good FICO® score can save you thousands of dollars each year on your mortgage, can you afford not to know yours? Most mortgage lenders will look at your FICO scores from TransUnion, Equifax and Experian when evaluating your loan application. myFICO recommends that you ask your mortgage lender what your FICO scores need to be to qualify for their best rates and then check your scores. If your FICO scores aren't high enough, it may be in your best interest to wait until your scores change. If your score meets your lender's requirement for the rate you want, then now might be a good time to refinance. Knowing your FICO scores will help you make the best decision.
Get the Score Lenders Use to Evaluate Your Home Mortgage Loan
http://www.myfico.com/loancenter/mortgage/step1/getthescores.aspx
After you’ve determined that you’re ready to buy a home, you need to understand how lenders see you. Lenders will determine your credit-worthiness based on your three FICO® scores.
By getting your scores, you can be sure that you know the kind of loan offers you should be receiving before lenders present you with numbers.
Both claim that the myFICO-reported scores will be representative of the scores pulled for mortgages - questionably true back when it was 98/04/08 being pulled for TU/EQ/EX, but completely false now, with FICO 8 across the board on all three.
With incorrect information like that being provided by myFICO, is it really a surprise that new people coming to these forums are frequently confused about the scores provided here, and how they relate to those from their brokers/lenders?
Unless myFICO knows something we don't (Are the GSEs about to switch to FICO 8? Possible, but unlikely.) - They need to either remove the text indicating that mortgage-related scores can be pulled here, or add a dual '04/'8 display by default (would be nice, but also unlikely).
@Revelate: I know you're a non-employee volunteer moderator, but can you try to point one of the staff mods at this?
Was already thinking that before I was halfway through your message: thank you for doing the research and posting this as I think it's a good and salient point.
I'll forward it to the FICO community folks, thank you again.
@Anonymous: @iv you rock senor, thank you for the detailed feedback.
The FICO folks are going through the website and looking to improve it from a content perspective: it's going to take some time as FICO is of course in a highly regulated industry and as such legal and everyone else is involved, but it is being worked on and will be redressed.
thanks to all who have chimed in on this thread....
to add insult to injury... I was able to get a judgment successfully removed from TU!! (yippee on that!)... and excited to see how it would impact my TU FICO score, I pulled today's report. IT DROPPED!!!!!!!!! Only one point... but at what point does pulling a judgment off of your credit report actually DROP your credit score?? 
thoroughly disappointed and disgusted now I walk into a mortgage with "questionable" FICO scoring from here... and the only way to find out is to have a hard inquiry added to my CR from my loan officer to see what it REALLY is.
I question WHY I pay for this site at all....other than you fine, helpful folks on the community boards
@Barneygirl wrote:thanks to all who have chimed in on this thread....
to add insult to injury... I was able to get a judgment successfully removed from TU!! (yippee on that!)... and excited to see how it would impact my TU FICO score, I pulled today's report. IT DROPPED!!!!!!!!! Only one point... but at what point does pulling a judgment off of your credit report actually DROP your credit score??
thoroughly disappointed and disgusted
I question WHY I pay for this site at all....other than you fine, helpful folks on the community boards
I imagine a mortgage lender would do a hard pull regardless of how many reports and scores you bring in.
I have the EQ score power and its $15/mon for equifax credit monitoring, you get a 3 bureau report when you first sign up and then you get 4 free fico 04 model scores that you can use at your leisure throughout the year. So you would at least be able to see your accurate EQ score once a mon or more if it will be less than 4 mon.
If you have capital one's credit tracker for TU they were about 10 points lower then our TU Fico 04 model score.