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When I did the pre qual, my TU Fico8 was 785.. but my Classic04 or was 735.. BOY I cannot figure our what.
The other 2 mortgage scores were within 10 points of my Fico08. Boy was I surprised.
Any ideas why?
What 3b average score .. is the top tier for best home insurance rate?
Also.. is there a thread on who to use like Amica or GEico (who I have auto ins with..)?
@Anonymous wrote:What 3b average score .. is the top tier for best home insurance rate?
Insurance tends to use a whole different set of scores... generally not any of those you see on the 3B report here.
The information factored in includes information from "regular" credit reports, as well as insurance-specific reports from various sources.
For instance TransUnion sells TrueRisk (TU credit data+other insurance data), LexisNexus sells Attract (EQ credit data+LN insurance data), etc...
Ask your agent(s) what models they use - some are available to the public, some are not.
I'm about to close on a new house, and from the time we started until now the MyFico mortgage scores are IDENTICAL to the mortgage score versions being pulled. I also refi'ed a car during this process to help with my DTI, and when the finance manager told me one of my auto scores, I told him the other two and he looked at me like I was a wizard.
MyFico scores are REAL.
I will post about our journey very soon, but if it wasn't for MyFico, I might have lost my mind.
@coachhenson wrote:I'm about to close on a new house, and from the time we started until now the MyFico mortgage scores are IDENTICAL to the mortgage score versions being pulled. I also refi'ed a car during this process to help with my DTI, and when the finance manager told me one of my auto scores, I told him the other two and he looked at me like I was a wizard.
MyFico scores are REAL.
I will post about our journey very soon, but if it wasn't for MyFico, I might have lost my mind.
I will post about our journey very soon, but if it wasn't for MyFico, I might have lost my mind.
BOOOOM! Just like the commercial. "What can you do for me? My FICO scores are x, y, z!" Nice.
Ok gurus - hopefully someone can shed some light on my situation. My Fico 8 scores are EQ 736, TU 766, and EX 758, however my mortgage scores are horrible in comparison... EQ 669, TU 732, EX 663. Very frustrating as many of you have shared. Happy to share more info just let me know what would be helpful. I'm trying to refi but need the middle score up obviously. Thanks in advance....
@Anonymous wrote:Ok gurus - hopefully someone can shed some light on my situation. My Fico 8 scores are EQ 736, TU 766, and EX 758, however my mortgage scores are horrible in comparison... EQ 669, TU 732, EX 663. Very frustrating as many of you have shared. Happy to share more info just let me know what would be helpful. I'm trying to refi but need the middle score up obviously. Thanks in advance....
Do you know:
Number of Accounts? (total # CCs and other loans)
Average Age of Accounts?
Age of Oldest Account?
What your UTIL is?
How many new HPs have you had in the last year?
Any baddies?