@Anonymous wrote:
So I contacted the lender, he ask whats my score, I gave him the lowest middle score of my wife and I, 759. He said how did I check the score, I said I have gotten reports from myFICO and then he went on this rant about that you should never check your own score. I kept telling him it would only be a soft inquiry and not a hard inquiry, he kept going on and on that I shouldn't have checked my own score.
It's not just a matter of whether it's an SP or not. One other concern would be which FICO model were you using? Is it the same FICO model that the lender would use? if not, the score may not be the number that they would use in their decision. Always consider the specfic model and not just whether a score is a FICO or not. Keep in mind that there are creditors that do not use FICO's though this probably isn't relevant for home shopping.
@Anonymous wrote:
Thank you so much, I will not being going with that lender, since they obviously do not know what they are talking about.
You always have to be careful with representatives for any company. I wouldn't necessarily write off an entire company based on the experience with one rep but if home shopping I definitely wouldn't use a rep I was concerned about. Good companies can have mistaken/misinformed reps. Bad companies can have good reps. You really can't extrapolate a trend on any topic based on a single data point.
It's also not entirely clear to me from just your posts what all of his concerns might have been. You seem to be assuming it was just scoring impact from checking your score when there are certainly other possible concerns as well.
