This website: http://nt.mortgage101.com/partner-scripts/1213.asp?p=relibrary claims the following: "Scores range from 350 (high risk) to 950 (low risk). A scorecard of 660 will be 660 on Beacon, Empirica and Experian/FICO if the data on each file is the same. However, each repository is likely to contain different data." I thought that each of the 3 CRAs use a scoring system created by Fair, Isaac but each have there own little quirks to them to create a different score w/ the same report
This is an interesting link you found. http://www.mortgage101.com/partner-scripts/master.asp?p=relibrary I believe that you are correct that each CRA has a tailored version of a FICO score model, but the scores should be pretty close if the information in each credit file is the same. Normally a FICO score is on a scale of 300 to 850. These is defiantly a lot of misinformation out there. "FICO scores range between 300 and 850." http://www.myfico.com/Content/Samples/sample_ScorePowerSummary.html
