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The following table lists credit scoring models that are recognized by the Agency’s Guaranteed Underwriting System (GUS) and must also be used to manually underwrite guaranteed loans.
Scoring Model Source Description Scoring Model Code
Experian Experian/Fair Isaac risk Model v3 15
Experian New Experian Fair Isaac Model (FICO II)
6
Equifax Beacon 5.0 13
Equifax Beacon 96 3
Transunion FICO Risk Score Classic (04) 14
Transunion FICO® Risk Score, Classic (98) 9
_____________________________________________________________________________ (03-09-16) SPECIAL PN 10-3 Revised (08-05-25) PN 649 Guidance documents lack the force and effect of law, unless expressly authorized by statute or incorporated into a contract. USDA may not cite, use, or rely on any guidance that is not available through their guidance portal, except to establish historical facts.
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ATTACHMENT 10-A