@masscredit wrote:
@Revelate wrote:
@masscredit wrote:My EQ04 scores are always higher. DCU showed that to be 712 when they posted an update the end of last month. My EQ08 score viewed here was 686. I just picked up 4 points here so it's now 690. I've never kept track of the other versions of my EQ score. Maybe I'll start doing that. The rest of my Score 5s viewed here are -
Mortgage Score 5 - 703
Auto score 5 - 716
Bank card score 5 - 718
Which of these is a match to the 04 version? If I also gained 4 points on my EQ04 then I'm guessing the Auto score (712-716)? I'll be able to match them up when my next DCU score posts the end of this month.
FICO Consumer confused the naming convention.
What they present as Mortgage Score 5 is Equifax Beacon 5.0 which is a FICO 04 model and what has been referred to for years here as EQ 04. Not sure why FICO Consumer felt this nomenclature was good for anyone on their score reports, but that score will match DCU's identically assuming the usual caveats about reports changing and what not between pulls.
That score here is 703. My score from DCU has been at 712 since March. It used to match what I saw here when myFICO was providing EQ04 scores.
I can confirm mine do match over the course of the last six weeks with my mortgage chasing: DCU, here, and mortgage pulls. This is with a score drop in there when my original mortgage inquiries fell out of their grace period.
Pretty certain DCU hasn't changed versions, and I know the mortgage world hasn't and this score has matched my DCU every time I've pulled a 3B or 1B Equifax report. Possible something is wrong somewhere vis a vis Captool's issues, may be a cached data set somewhere that the bureaus delivers to third parties named FICO and likely others too.
Revelate wrote:
FICO Consumer confused the naming convention.
What they present as Mortgage Score 5 is Equifax Beacon 5.0 which is a FICO 04 model and what has been referred to for years here as EQ 04. Not sure why FICO Consumer felt this nomenclature was good for anyone on their score reports, but that score will match DCU's identically assuming the usual caveats about reports changing and what not between pulls.
My EX04 score posted in my DCU mailbox today.
DCU-
EX04 - 721 (highest that I've seen in many years! 
)
myFICO -
EX08 - 696
Mortgage Score 5 - 703
Auto Score 8 - 703
Auto Score 5 - 716
Bankcard Score 8 - 699
Bankcard Score 5 - 718
So the Mortgage Score 5 / Equifax Beacon 5.0 is way off from my EX04. The Auto Score 5 and Bankcard Score 5 are the cloest but not a match.
@masscredit wrote:
Revelate wrote:FICO Consumer confused the naming convention.
What they present as Mortgage Score 5 is Equifax Beacon 5.0 which is a FICO 04 model and what has been referred to for years here as EQ 04. Not sure why FICO Consumer felt this nomenclature was good for anyone on their score reports, but that score will match DCU's identically assuming the usual caveats about reports changing and what not between pulls.
My EX04 score posted in my DCU mailbox today.
DCU-
EX04 - 721 (highest that I've seen in many years!
myFICO -
EX08 - 696
Mortgage Score 5 - 703
Auto Score 8 - 703
Auto Score 5 - 716
Bankcard Score 8 - 699
Bankcard Score 5 - 718
So the Mortgage Score 5 / Equifax Beacon 5.0 is way off from my EX04. The Auto Score 5 and Bankcard Score 5 are the cloest but not a match.
Ok, ignoring the confusion between EQ / EX; I can absolutely promise you as I've done a number of pulls of both, AND gotten several mortgage, pulls, = MF 1B/3B EQ FICO 5 score = mortgage = DCU = Beacon 5.0. It has also matched everyone in the mortgage forum who got the standard mortgage trifecta pulled.
There may be something wrong in your case or something changed interstial unless you really got those pulled back to back. Sort of like Captools TU funsy for god knows what reason.
@masscredit wrote:My last post should have said those are EQ scores. Fingers didn't type what the brain was thinking.
The scores that I received here are from 7/10. It increased 6 points from 690. Haven't received a Score Watch notice so I don't think anything has changed since then. The score from DCU increased by 9 points since the end of last month. I don't know why my Mortgage score from here doesn't match DCU. I
Because the monitoring solution doesn't track when things fall off your report among other things.
Can't take the monitoring solution as gospel, and a lot can happen from 7/10 to now. i.e. in my own case an inquiry fell off from my mortgage pull in early July, and my score went from 693 to 700 and there hasn't been a peep on MF monitoring.