@Anonymous wrote:
I thought they were the same too. But they aren't. The scores were pulled on the same day. And they're was a 10 point difference
S10 has it right, if the lender is using the same scores as 99.9999% of the mortgages underwritten in the States do, they match here identically unless there's a change between the report here and the lender pull.
If it doesn't, you may be in the rare unicorn of a portfolio lender, but the most likely explanation is something changed. I assume you did a full 3B report here prior to talking to your mortgage lender? Same day doesn't necessarily mean identical unfortunately unless you're absolutely 100% sure on your reporting dates, then it's darned close to fully accurate admittedly.
Also it wouldn't be a bad idea to check your lender score disclosure for sanity purposes, often they list the explicit score used which is easy to compare to see if they did something non-standard.
Yes I have the ultimate super package (forget the real name) with monthly reports......pulled it then said yes to mortgage lender and they pulled it hours later.....could something have changed in that amount of time?? I guess it could have. ..
Just funny cuz I was deniweld based off thwireless score by 5 points.....and there was a 10 point difference.....
Of course I chose the one lender that the scores didn't match up....
Just funny cuz I was deniweld based off thwireless score by 5 points.....and there was a 10 point difference.....
Of course I chose the one lender that the scores didn't match up....
@Anonymous wrote:
Yes I have the ultimate super package (forget the real name) with monthly reports......pulled it then said yes to mortgage lender and they pulled it hours later.....could something have changed in that amount of time?? I guess it could have. ..
Just funny cuz I was deniweld based off thwireless score by 5 points.....and there was a 10 point difference.....
Of course I chose the one lender that the scores didn't match up....
So look at the score sheet and see what they pulled; worst case just go talk to another lender, they're all over the place.
I will state with utter certainty that millions of mortgages have been underwritten with the scores MF provides as "the ones used in mortgage lending." It is vanishingly unlikely you will get anything else, portfolio lenders do exist, but they're nearly as rare as the mythical phoenix in terms of your stumbling over one by accident, and even then most use the standard score set.
The likely occurence, is yes something did change between between the MF pull and the lender pull, and Occam's Razor does apply unfortunately. Can sanity check that too by pulling reports over at CK and just seeing if something doesn't match the MF report, 10 points is an inquiry or one too many balances reporting for example and both of those are minor changes.