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Mortgage broker says not to count on FICO score

Valued Contributor

Re: Mortgage broker says not to count on FICO score

The only score on MYFICO you can consider to be the same or very little difference would be the equifax beacon score as most have told you already.

This is based on pulling both reports at the same time. Your scores can fluctuate consistently from 1 minute to the next.
Good Luck
May all your dreams and wishes become a reality!
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Contributor

Re: Mortgage broker says not to count on FICO score

I just went through the pre-approval process and my Equifax score was the same as the one pulled by the lender and my Transunion was 6 points higher on the lender pull. My Experian fako score was 30 points lower on the lender pull. Experian is pretty useless.



Starting Score: 532
Current Score: EQ08 702, TU08 710, EX08 701Goal Score: 760

NASA, $30,000/ Wells Fargo $20,000 / Venture $7,500 / JCP $6,000 / Ch Freedom $5,000 / Ch Sapphire $5,000 / Discover $5,000 / Walmart $4,500 / VS $2,150 / AMEX BCE $2,000/ Chase SW $2,000 / Merrick $1,900 / Credit One $1,450 Take the myFICO Fitness Challenge
Valued Contributor

Re: Mortgage broker says not to count on FICO score

+1, yeah Experian sucks! The scores my lender pulled were 718, 703, and 639. And guess who was the lowest...Experian.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Regular Contributor

Re: Mortgage broker says not to count on FICO score

Same week pulls- TU MyFico 594- TU04 (lender) 619- TU08 Walmart 634. I apped for Walmart card on 11/18- and got the 634. Next day the lender pull was at 619, so I pulled on here and got a 594. From what I can tell, old baddies have a lesser impact on newer models, and high util has a greater effect. Best of luck.


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 674 TU 679 Ex 686 EX
Goal Score: For now: 640s


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