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If you remove from the equation any third-party calculated scores, you are left with my point. The big three CRAs do NOT provide different scores to lenders than they do to consumers.



Yes, they do. They are still trying to get the rest of the lending world to buy Next Gen FICO (so they can make more money). So if you go to any of the three bureau's sites and order your FICO they will sell you Next Gen FICO. (They don't give you an option.)

Most of the lending world is still analyzing the results of the new formula and still are using the older scores they are familiar with. Most companies have not yet redone their models to incorporate the new FICO score.

And yes, as you are seeing for many people they will be the same or very close. They can be very different though.

Choose to ignore me if you want, but I do work in the lending industry and I do work with the models and I am very aware of the fact that for each person each bureau sends a file on we get both the older FICO score, and the Next Gen FICO. Consumers only get one, and it is Next Gen.
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