Yes for today and only this bureau. They will pull all mortgages scores for all three bureaus, toss out the highest and lowest scores of applicant, and use the middle score. If there is two applicants, they will use the lower middle of the two applicants.
Things that can change it for the worse, carrying balances on more than 50% of credit cards, higher utilization when CC companies report (usually few days after statement cut), as it may cross a threshold of utilization that you will get dinged, ie, you had 29% utilization and went to 32%, that is a threshold that will hurt you. New inquiries on accounts if apply for credit this month, or a hard pull if you ask for a credit line increase. Closing accounts that raise your overall utilization of open trade lines, closed accounts that still have a balanced owed, a new late payment. Any open disputes, or closed disputes with comments such as consumer statements.
Highly suggest you pay for all 3 scores, report to us what the mortgage scores are, and if you have any collections, liens, lates, and utilization on each credit card, ie Cap 1, balance 500/1000 line of credit 50% utilization. Any if you have any installment loan for the credit mix.
