Can I use the "FICO Ultimate 3B" to get the most-accurate prediction of my mortgage scores?

[Anonymous]

My goal is to refinance my 30-year fixed mortgage & HELOC into one jumbo 30-year fixed mortgage. Which myFICO product should I buy to get the most-accurate prediction of my scores when the mortgage broker pulls them? 

Does anyone know if the FICO Ultimate 3B has the same mortgage data that I need?

Here’s the info on it:

FICO Ultimate 3B -  Get quarterly access to your most widely used FICO® Scores and a new 3-bureau credit report

http://www.myfico.com/Products/FICO-Ultimate-3B/?clickid=wCWyEg22oSwNUeFxbpSSUWHdUkSVsGWdyQJfxk0&sou...

Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however partial month refunds are not available.

$29.95 sounds cheaper than $59.85 for the FICO® Score 3B Report :

http://www.myfico.com/lp/SEM080004.aspx?clickid=wCWyEg22oSwNUeFxbpSSUWHdUkSVsGytyQJfxk0&sourceid=Aff...

Thanks!

[iv]

Yes, but you only get the mortgage scores once per quarter. (Once at sign-up, and then every three months.)

[Anonymous]

Yes, you should.

[takeshi74]

myFICO doesn't predict.  It gives you your actual FICO scores for the models provided.  The Compare Our Products Page at:

http://www.myfico.com/Products/Products.aspx

...has this link to the models provided:

http://www.myfico.com/Products/FICOScore8Disclaimer.html

It will give you those scores.  Whether or not your specific lender uses those models is an entirely different matter.  You need to confirm that with your lender.  Do not rely on using a score generated by one model to determine a score generated by a different model.

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@Anonymous wrote:

$29.95 sounds cheaper than $59.85 for the FICO® Score 3B Report : 

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Yes, it is less but $59.85 is a one time purchase.  $29.95 is the monitoring product, however, as stated above you'll only get access to the additional scores on a quarterly basis.  I'm guessing you could cancel and re-start the monitoring but I can't say for certain if that would work to get you access to the mortgage scores on a more frequent basis.

[RonM21]

Yes and like everyone else sait it is quarterly, if that works for you.