[hsshah]

As I understand, there is no such thing as a singular FICO score.

FWIW Recently went through a refinancing process. Two of the bureaus had slightly different score. However, both were similar to what CK had.

[ari_]

FICO has different models depending on what industry you're in, and then even then, they have different versions of the model. Here's some info if you want to google: FICO Classic 04, FICO Classic 08, FICO Auto 04, etc.

The crazy thing is that the scales are all different, so your Classic 04 Score could be completely different from your Classic 08 Score.