Which myFICO scores versions do I use?

QuestionsWhich myFICO scores versions do I use?
asked 4 years ago

I have been trying hard to figure this out without asking. I pulled a 3b report and when looking at “view additional fico score versions” the descriptions do not match up to what I found in the sticky.


Equifax Beacon® 5.0
Experian®/Fair Isaac Risk Model V2SM
TransUnion FICO® Risk Score, Classic 04
These are sometimes listed on the tri-merge mortgage report as follows:

Equifax/FICO classic V5 FACTA
Experian/Fair Isaac (Ver. 2)
Transunion/FICO Classic (04)
Note: they have been commonly referred to on the myFICO forums and elsewhere as:

EQ 04.
EX 98
TU 04

Mine says
EQ 05
TU 04
EX 02

Are they the same just labeled different?
Calculate Monthly Payments For Mortgage or Annuity

Anil Kumar replied 4 years ago
sam Master replied 4 years ago

When i put this into my calculator i get -196.. why?

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