cancel
Showing results for 
Search instead for 
Did you mean: 

Is there a place where I can buy my TU/EX/EQ scores without a hard pull?

Highlighted
Contributor

Is there a place where I can buy my TU/EX/EQ scores without a hard pull?

I'm holding out to get preapproved until I know I have a middle score of 680....for a Homepath Renovation loan.  I know I'm REALLY close.  But I'd like to know if now is the time to jump (have my eye on a house that I'm hoping isn't going to sell in the meantime) or if I need to wait without using a HP.  (I never had a credit card until 8 months ago and I've got a few pulls...for a couple of Cap1 cards and then my Chase Freedom...although I have some good TL's going I have enough HP's that I'm afraid of using another.)  I'd rather pay for the scores than take a HP at this point....

 

Help!

In the garden until October 2015!

Journey began 12/13
My wallet: Cap1 Journey (12/13) $4,800 - Cap1 QS (3/14) $1,500 - Chase Freedom (5/14) $3,000 - Chase CSP (12/14) $8,000

Closed on my primary home and income property in December 2014!
Message 1 of 6
5 REPLIES
Valued Contributor

Re: Is there a place where I can buy my TU/EX/EQ scores without a hard pull?

Accessing your reports and scores yourself does not result in a hard pull.

 

This site sells 08 scores.

 

The scores used in the mortgage business are the 04 ones, and are available various places like DCU and PSECU and the EQ Score Power product.

 

Message 2 of 6
Regular Contributor

Re: Is there a place where I can buy my TU/EX/EQ scores without a hard pull?


edcb wrote:

I'm holding out to get preapproved until I know I have a middle score of 680....for a Homepath Renovation loan.  I know I'm REALLY close.  But I'd like to know if now is the time to jump (have my eye on a house that I'm hoping isn't going to sell in the meantime) or if I need to wait without using a HP.  (I never had a credit card until 8 months ago and I've got a few pulls...for a couple of Cap1 cards and then my Chase Freedom...although I have some good TL's going I have enough HP's that I'm afraid of using another.)  I'd rather pay for the scores than take a HP at this point....

 

Help!


This question was asked before and it was recommended to google 'mortgage preflight'

Back in the garden until 10/2015.

Starting Score: EQ 714, EX 658, TU 691 (pulled by mortgage lender on 10/7/14)
Current Score: EQ 656, EX 660, TU 660 (FAKOS pulled on 3/26/15)
Goal Score: EQ 760, EX 700, TU 760


Take the myFICO Fitness Challenge
Message 3 of 6
Super Contributor

Re: Is there a place where I can buy my TU/EX/EQ scores without a hard pull?

"Mortgage Preflight" is a hard inquiry with a mortgage lender, it's just like having your credit checked with any mortgage lender.  Basically it's a credit vendor (a company that mortgage lenders use to check credit) called CreditTechnologies, that came up with a creative way for consumers to get their credit checked through one of the lenders or mortgage brokers who use them so CreditTechnologies can make $ when your credit is checked.  Free of charge for the lender/broker since you actually pay for it (when in most cases lenders/brokers will check your credit for free).

Mortgages (FHA, VA, USDA, Fannie, Freddie, Non-Prime) since 2002, based in Irvine, CA and lending in all 50 states

Information that is needed to determine if you qualify for a mortgage

Message 4 of 6
Regular Contributor

Re: Is there a place where I can buy my TU/EX/EQ scores without a hard pull?


ShanetheMortgageMan wrote:

"Mortgage Preflight" is a hard inquiry with a mortgage lender, it's just like having your credit checked with any mortgage lender.  Basically it's a credit vendor (a company that mortgage lenders use to check credit) called CreditTechnologies, that came up with a creative way for consumers to get their credit checked through one of the lenders or mortgage brokers who use them so CreditTechnologies can make $ when your credit is checked.  Free of charge for the lender/broker since you actually pay for it (when in most cases lenders/brokers will check your credit for free).


Thanks for clarifying. I considered going that route but did not find a clear answer to if it was a hard pull for me. 

Back in the garden until 10/2015.

Starting Score: EQ 714, EX 658, TU 691 (pulled by mortgage lender on 10/7/14)
Current Score: EQ 656, EX 660, TU 660 (FAKOS pulled on 3/26/15)
Goal Score: EQ 760, EX 700, TU 760


Take the myFICO Fitness Challenge
Message 5 of 6
Senior Contributor

Re: Is there a place where I can buy my TU/EX/EQ scores without a hard pull?


MaRain wrote:

ShanetheMortgageMan wrote:

"Mortgage Preflight" is a hard inquiry with a mortgage lender, it's just like having your credit checked with any mortgage lender.  Basically it's a credit vendor (a company that mortgage lenders use to check credit) called CreditTechnologies, that came up with a creative way for consumers to get their credit checked through one of the lenders or mortgage brokers who use them so CreditTechnologies can make $ when your credit is checked.  Free of charge for the lender/broker since you actually pay for it (when in most cases lenders/brokers will check your credit for free).


Thanks for clarifying. I considered going that route but did not find a clear answer to if it was a hard pull for me. 


Shane explained it well.

 

Don't be fooled by anyone or any company that claims the ability to provide you with the same credit scores lender pull sans a hard pull of your credit. There is no free lunch. If you want a real assessment of your readiness for a mortgage approval, get a mortgage lender to preapprove you.

 

I personally consider "mortgage preflight" to be a slick way of making money off unsuspecting consumers otherwiase they'd post "WE WILL PULL YOUR CREDIT" right at the beginning of their pitch.

 

Message 6 of 6