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wrong equifax score

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polskboy
Valued Member

wrong equifax score

equifax score pulled by myfico same day as comenity bank show two different scores,myfico got it as 633 and comenty bank have it at 563.whats going on here can someone help me understand this.

Message 1 of 11
10 REPLIES 10
user5387
Valued Contributor

Re: wrong equifax score

Unless the scoring models used are the same, the scores cannot be compared.

 

There are many variations of FICO and FAKO algorithms floating around.

 

Message 2 of 11
GFer
Valued Contributor

Re: wrong equifax score


@user5387 wrote:

Unless the scoring models used are the same, the scores cannot be compared.

 

There are many variations of FICO and FAKO algorithms floating around.

 


+1

And, FICO is the most accurate! Be Happy!  Smiley Happy



EQ 817, EX 815, TU 813 (Updated 1/5/18: TU 843

Take the myFICO Fitness Challenge
Message 3 of 11
arrazola_a
Valued Member

Re: wrong equifax score

Same thing happened to me yesterday. I pulled mine and it was at 645(myfico) and my cu pulled a 611 fico .. Makes you wonder....

oh both were ex


Starting Score : 525
Current Score : EQ 673 TU 652 EX 673
Goal Score : 750 Across
Message 4 of 11
Lechte
Frequent Contributor

Re: wrong equifax score


@arrazola_a wrote:

Same thing happened to me yesterday. I pulled mine and it was at 645(myfico) and my cu pulled a 611 fico .. Makes you wonder....

oh both were ex


TU and EX Fico's here are outdated versions....EQ Fico from here is the only one "90% of lenders" use.

(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)


Message 5 of 11
guiness56
Epic Contributor

Re: wrong equifax score


@Lechte wrote:

@arrazola_a wrote:

Same thing happened to me yesterday. I pulled mine and it was at 645(myfico) and my cu pulled a 611 fico .. Makes you wonder....

oh both were ex


TU and EX Fico's here are outdated versions....EQ Fico from here is the only one "90% of lenders" use.


EX score from here is not outdated.  It is the newest version, 08.

Message 6 of 11
Lechte
Frequent Contributor

Re: wrong equifax score


@guiness56 wrote:

@Lechte wrote:

@arrazola_a wrote:

Same thing happened to me yesterday. I pulled mine and it was at 645(myfico) and my cu pulled a 611 fico .. Makes you wonder....

oh both were ex


TU and EX Fico's here are outdated versions....EQ Fico from here is the only one "90% of lenders" use.


EX score from here is not outdated.  It is the newest version, 08.


I'm sorry...so it's just that most lenders have decided not to use the new version yet?

(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)


Message 7 of 11
Lechte
Frequent Contributor

Re: wrong equifax score

Guiness, since you like giving me a hard time a lot...you owe me.   So will you go check out this thread and tell me what's goin on? 

 

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/New-Scores-are-coming-to-MyFico/td-p/2780979

(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)


Message 8 of 11
guiness56
Epic Contributor

Re: wrong equifax score


@Lechte wrote:

Guiness, since you like giving me a hard time a lot...you owe me.   So will you go check out this thread and tell me what's goin on? 

 

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/New-Scores-are-coming-to-MyFico/td-p/2780979


Not giving you a hard time lol.  Just keeping things straight.

Message 9 of 11
guiness56
Epic Contributor

Re: wrong equifax score


@Lechte wrote:

@guiness56 wrote:

@Lechte wrote:

@arrazola_a wrote:

Same thing happened to me yesterday. I pulled mine and it was at 645(myfico) and my cu pulled a 611 fico .. Makes you wonder....

oh both were ex


TU and EX Fico's here are outdated versions....EQ Fico from here is the only one "90% of lenders" use.


EX score from here is not outdated.  It is the newest version, 08.


I'm sorry...so it's just that most lenders have decided not to use the new version yet?


Pretty much, yes.  Lenders decide which version/model benefits them the most.

 

And as far as mortgages changing what they use, I don't see them doing it.

Message 10 of 11
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