---------------------------------------------------------------------------- ----------------------------------- FICO 04 (introduced 2004) ---------------------------------------------------------------------------- ----------------------------------- Most mortgage lenders use FICO 04 for Equifax and Transunion, and FICO 98 for Experian. All three scores will normally be pulled and the middle score (not the average) will be used by the lender. ____Transunion ________Official name: FICO Risk Score, Classic 04 (formerly called Empirica) ________Common name: TU-04 ________Available directly to consumers: no ________Real-world score range: 309 to 839 (as shown on page 14 of this Transunion document: http://tinyurl.com/q3k2hwu) ____Equifax ________Official name: Beacon 5.0 ________Common name: EQ-04 ________Available directly to consumers: from Equifax when buying FICO score (available as a one-time purchase with the "Score Power" product available here, or as part of a credit monitoring service available here). Some credit unions such as DCU provide it free each month to members. Was formerly available for purchase from MyFICO, but as of 2014 MyFICO sells only FICO 08 scores. ________Real-world score range: 334 to 818 ____Experian ________Official name: Experian/FICO Risk Model v3 ________Common name: EX-04 ________Available directly to consumers: No ________Real-world score range: 325 to 850 (as shown on this Experian document: http://ex.pn/W5hFJ2)