http://ficoforums.myfico.com/t5/Mortgage-Loans/Should-I-have-lender-pull-my-credit-now/m-p/1879885#M114476 You can get your EQ fico from this site by signing up for the Score Watch free trial. I recommend that you pull your fico score from this site and post what it is. Going to any other site for a score will result in a FAKO score, which is a score not used by lenders. Fri, 15 Feb 2013 16:55:07 GMT MovingForward_2012 2013-02-15T16:55:07Z http://ficoforums.myfico.com/t5/Mortgage-Loans/Should-I-have-lender-pull-my-credit-now/m-p/1879855#M114474 <p>I have been rebuilding my credit after a 2009 chapter 7 discharge.All I have left are some late payments which I am disputing  with Experian.I don't know where my actual scores are at the moment.I have an HH Gregg card with a $2500 limit,JCP and Walmart both  with $500 limits and all three with 0 balances.Mastercard with $600 limit and $250 balance and Visa with $1000 limit with $350 balance.I plan to apply for an FHA loan within 3-4 months.My question is should I let a lender pull my credit now to see where I am in case I need to make more improvements or should I roll the dice and wait until I'm ready to apply? I worry if my middle score is close to the requirement and the lender pulls my credit now and again when I apply,then this might drop my score too low.Any thoughts would be great appreciated.</p> Fri, 15 Feb 2013 16:44:18 GMT http://ficoforums.myfico.com/t5/Mortgage-Loans/Should-I-have-lender-pull-my-credit-now/m-p/1879855#M114474 smiths38 2013-02-15T16:44:18Z http://ficoforums.myfico.com/t5/Mortgage-Loans/Should-I-have-lender-pull-my-credit-now/m-p/1879873#M114475 <p>If it were me, I would pull right now and see where you are at. However I would wait till after your disputes have been finished.</p> Fri, 15 Feb 2013 16:53:09 GMT http://ficoforums.myfico.com/t5/Mortgage-Loans/Should-I-have-lender-pull-my-credit-now/m-p/1879873#M114475 tooleman694 2013-02-15T16:53:09Z http://ficoforums.myfico.com/t5/Mortgage-Loans/Should-I-have-lender-pull-my-credit-now/m-p/1879885#M114476 You can get your EQ fico from this site by signing up for the Score Watch free trial. I recommend that you pull your fico score from this site and post what it is. Going to any other site for a score will result in a FAKO score, which is a score not used by lenders. Fri, 15 Feb 2013 16:55:07 GMT http://ficoforums.myfico.com/t5/Mortgage-Loans/Should-I-have-lender-pull-my-credit-now/m-p/1879885#M114476 MovingForward_2012 2013-02-15T16:55:07Z http://ficoforums.myfico.com/t5/Mortgage-Loans/Should-I-have-lender-pull-my-credit-now/m-p/1879967#M114484 I agree with MovingFoward<br><br>Pull your Equifax here no INQ from lender. Also pull TU from here gives us a ballpark score and no INQ from lender.<br><br>If all looks good you may not have to wait a few months. Can just start the process. Fri, 15 Feb 2013 17:27:41 GMT http://ficoforums.myfico.com/t5/Mortgage-Loans/Should-I-have-lender-pull-my-credit-now/m-p/1879967#M114484 JM-AM 2013-02-15T17:27:41Z http://ficoforums.myfico.com/t5/Mortgage-Loans/Should-I-have-lender-pull-my-credit-now/m-p/1880037#M114489 <p>Are scores pulled from one of the three credit bureaus directly unreliable?</p> Fri, 15 Feb 2013 18:00:19 GMT http://ficoforums.myfico.com/t5/Mortgage-Loans/Should-I-have-lender-pull-my-credit-now/m-p/1880037#M114489 TnTNYC 2013-02-15T18:00:19Z http://ficoforums.myfico.com/t5/Mortgage-Loans/Should-I-have-lender-pull-my-credit-now/m-p/1880051#M114491 Only FICO you can pull direct from the credit bureaus yourself is Equifax. But you will have to search around their website for FICO score. Fri, 15 Feb 2013 18:03:25 GMT http://ficoforums.myfico.com/t5/Mortgage-Loans/Should-I-have-lender-pull-my-credit-now/m-p/1880051#M114491 JM-AM 2013-02-15T18:03:25Z