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@Anonymous wrote:Wwhen I started apping back in Oct’14 the Walmart FICO score that I was going by was at 787 with Transunion and now that I’m pulling my scores from Equifax my March scores have taken a dive: EQX 655, EXP 677 and TU 691…I know I should be pulling my scores from this site and I will be making my switch in the month of April after my March membership with EQX ends.
...The Walmart FICO scores are FICO 8 Credit Card model scores ...your mortgage lender will use your FICO 4 mortgage model scores ...are the 655/677/691 mortgage or CC scores? ...there can be a substantial difference ...most forum menbers report lower mortgage scores though some report higher ...but if the 655/677/691 scores are CC scores, you could be in for a nasty surprise.
Down Payment. $20k
Savings. $10k
...if your savings are only 10K where are your dp and closing costs coming from? ...your lender will want proof that you have both in seasoned accounts ...most won't give you a preapproval letter (as opposed to a pre-qual) until they see your bank statements showing the funds.
...hth
lemmus,
i didn't even catch that those were not mortgage scores....i just assumed they were.
OP, I highly recommend you buying the 3 bureau report from myfico and finding out your true mortgage scores.