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I think you can both be right, and that can be explained, by the lender you went to, xtn, pulling the NextGen FICO. The other poster in the thread (sorry, I don't remember your name) said that companies are thinking about switching, and are getting both scores while they consider their decision. Maybe the place you (meaning) xtn went to decided to make the switch, so that you both saw the same score.

Actually I was the one who was sold Next Gen FICO, and xtn got the older scores.

If his were pulled by a lender then that could explain the differencce.

Mine were the ones you get by going to the credit bureaus website and requesting you FICO score. That is the new Next Gen FICO, (which to xtn's point isn't an industry standard, but is definately external to my company.)

In my experience, what the lender showed me did say Empirica, Beacaon, etc. but it was quite different from what I pulled earlier that day from the three websites. (yes, all three were significantly different)
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