what scores are these

[howiez28]

Hi guys.  We just started working with a LO in hopes of getting a VA mortgage loan in the near future.  As of now I know that my Equifax FICO score is 633.  Haven't purchased my TU just yet because I'm working on getting a few things hopefully deleted soon.

Anyways, these are the scores that the LO pulled:

Transunion FICO classic 04  = 561

Equifax FACTA Beacon 5.0 = 590

Experian Fair ISAAC (Ver.2) = 616

Needless to say say, I'm VERY bummed out right now.  They are all lower than my Equifax FICO which I was kinda proud of even though 633 is rather low.  It was 603 2-3 months ago and I have been working to improve it.  Saw myself reaching the mid 600's soon but now my LO sees me as a person in the 500's. 

What exactly are these scores that he pulled?  Why didn't he pull all FICO scores?  Also is the TU FICO that he pulled the same one that myfico.com would have?  Been really curious about my TU FICO scores but was holding off on purchasing it.

Thanks

[llecs]

All of those are FICO scores. The EQ FICO is the same exact version as found on here and is used by most all mortgage lenders. The TU FICO version used by your lender differs from the one on here, though their version is most commonly used. MyFICO has a version of TU FICO called TransUnion FICO Classic 98 (aka TU98) vs. their version (nicknamed TU04). And the EX FICO used by your lender is the most commonly used version and used to be the same version offered here at one point in time.

If you purchased an EQ FICO from here at 633 and this lender pulled the same version at 590, then definitely comb through both your lender's tri-merge report and your last pulled FICO report to look for any differences.

[howiez28]

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@llecs wrote:

All of those are FICO scores. The EQ FICO is the same exact version as found on here and is used by most all mortgage lenders. The TU FICO version used by your lender differs from the one on here, though their version is most commonly used. MyFICO has a version of TU FICO called TransUnion FICO Classic 98 (aka TU98) vs. their version (nicknamed TU04). And the EX FICO used by your lender is the most commonly used version and used to be the same version offered here at one point in time.

If you purchased an EQ FICO from here at 633 and this lender pulled the same version at 590, then definitely comb through both your lender's tri-merge report and your last pulled FICO report to look for any differences.

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Thanks llecs.

So upsetting.  I thought I was in a better place score wise.  I still can't find a difference between the Equifax FICO report he pulled and the one I got here besides the 43 point difference.

[llecs]

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howiez28 wrote:

So upsetting.  I thought I was in a better place score wise.  I still can't find a difference between the Equifax FICO report he pulled and the one I got here besides the 43 point difference.

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Scores can change everyday (assuming your reports change everyday). I'd definitely look through both reports and I'd make sure no accounts were added or removed. I'd make sure the balances are the same. If you have any baddies, I'd look towards the reported dates to see if any updated between reports. I'd look within each CC to make sure there wasn't a CLD which could throw util off. In short, even the smallest of details can lead to a big score change.