Mortgage Scores

[howiez28]

Hi everyone,

A little frustrated.  My FICO scores are:

EQ - 668

TU - 698

EX - 720

My FICO mortgage scores are:

EQ -675

TU -  672

EX - 647

Is there something that I can do pull up my mortgage scores?  Why such a difference between my experian fico and mortgage scores?  All my accounts are in good standing.  Utilization is at around 25%.  Working on getting that down.  No late payments.  The only baddie I currently have is a medical collection from 3 years ago that I'm working on getting removed.  Looking to get a VA home loan this summer.

[Anonymous]

If you're going to use the VA loan, then your scores are already fine. VA loan rate isn't score sensitive and there isn't PMI, so being at 672 isn't a deal breaker. I have no idea what is on your credit report, so I can't really venture a guess as to why the scores as so disparate.

[StartingOver10]

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@Anonymous wrote:

If you're going to use the VA loan, then your scores are already fine. VA loan rate isn't score sensitive and there isn't PMI, so being at 672 isn't a deal breaker. I have no idea what is on your credit report, so I can't really venture a guess as to why the scores as so disparate.

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^^^Exactly right.

One comment:  VA loans are awesome. You don't have PMI/MIP as stated above and the rates are terrific now. Go for it