General Credit Topics

[calltc1983]

How close are myfico.com scores to kroll factual data or a similar agency for a mortgage loan?

My fico score from a loan officer 2 months ago was little over 580 equifax and I got my new fico score today off this site myfico.com and it was a 632 I need a minimum of 620 for a loan and I have done tons of stuff to improve my credit  like secured credit card, Paid off all delinquent accts and before I have her re-pull my scores I want to make sure these are accurate or at least pretty close

[SwiftTone]

The EQ score sold here is a Equifax beacon 5.0 FICO. Talk to your loan officer and ask her which version she uses. If she says it's the beacon 5 model then you should be good to go.

[calltc1983]

Thank you! it is the same. Do you know if the TU is Fico classic?

[MarineVietVet]

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calltc1983 wrote:

Thank you! it is the same. Do you know if the TU is Fico classic?

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Do you mean the TU score sold here? Yes it's the Classic TU98 version which is an older version but still used by some lenders.

[calltc1983]

Thank you

[cdtotten]

FYI: Most mortgage lenders pull TU-04, not the TU-98 sold on this site. There are a few, but they are vastly outnumbered by TU-04 pullers. KFD pulls TU-04.

[AndySoCal]

Just a reminder, with a mortgage they will yuse your middle score IE not the highest or the lowest you receive

[calltc1983]

Thanks for the replys I got prequalified today.    eq:633 tu:654 ex: 622

just a month and a half ago it was  eq:598 tu:598 ex:594  all I did was open a secured card 3 months ago and pay off a few delinquent accts.