@MamaCat wrote:
This FICO vs. FAKO issue still has me a bit confused...
(see my sig for my score history)
The EQ number I see from myFICO matches up with what lenders are pulling. However, I signed up for the myFICO TU quarterly reports yesterday, and my TU score popped up at 814. But today, the lender pull showed a TU score of 797. For my husband, the myFICO site reports EQ:794 and TU:781 (2/29). In his case, the EQ matches up, and the TU is off by only one point from the lender pull. The trimerge report says they are using "Transunion/Fico Classic (04)" for the score the lender pulled. Is the score difference due to the model being used? If so, are these both "real" FICO scores, or is one of them a FAKO? Also, my understanding was that scores can range from 300-850, but on the tri-merge report, each CRA reports a different range (EQ- 334-818, TU- 309-839, and EX- 320-844). What is that about?
Yes, that is correct - the TU FICO version sold here at MyFICO is TU98, which is an older FICO version than the TU04 version pulled by your lender. They are both FICO scores, the bank is just using a newer version.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
