Need help understanding which fico was pulled by lender

I currently have a mortgage and am planning on relocating..Ive been taking all advise on her last cpl months my scores were pulled by my Mortgage lender on 3-19-2015just not sure which fico system they are they read as follows Exp/fair issac(version 2) 611, Trans/Fico classic(04) 602, Equif/Fico classic v5 facta 597-I dont want to do another hard pull yet , at time of this pull i had 5 accounts in collections. got 2 PFD the other 3 are from 2011 medical collections totaling$300 working on pfd-have not been late on mortgage in 18 months(1 30 day late Jan of 2014)-Have gotten one creditcard with opensky, use it and make sure only reports 5-7% balance(opened april 2015)-my major problem was/is the collections and i had no credit besides my mortgage so with those 2 baddies off and now have a creditcard i must have gained some pts?? Im about to sign up for myfico monthly but want to make sure its the same score my lender is using. I had a cpl personal loans in 2012 that report i paid on time but they are closed..just $1000 loans i paid off but still on my reportThanks

Are you sure the OpenSky card is reporting? Does it show up on CK for example? You don't want to do the initial MyFICO pull before everything you want to show is reported. I made that mistake and ended up with initial scores that did not reflect my balances that were reporting that month. Still kicking myself for that one. If all you have is the Open Sky card you should get one more credit card at the very least - it will give you another small score boost when it reports. Wait until the late payment ages past 24 months before applying for a refi, you will get another score boost at that point.

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    http://help.adobe.com/en_US/FlashPlatform/reference/actionscript/3/Object.html#toString()
    hth,
    kind regards,
    Peter

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    OK cotton.m. I will try that and see what happens.
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