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Should I go with myfico scores!!!

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Goodness
Regular Contributor

Should I go with myfico scores!!!

I have question my scores have jumped really up experian 633 and Equifax 595 how close is it to mortage scores, not sure about transunion didn't pull.
EQ 645 EX 651 TU 703 fico 8 (5/15)
MORTAGE SCORES EQ 665 EX 604 TU 688 (5/15)
Goal 700 by end of 2015
Message 1 of 4
3 REPLIES 3
blondy250
Established Contributor

Re: Should I go with myfico scores!!!

No don't rely on myFico scores for mortgage purposes. This site sells 08 version of Equifax but most mortgage lenders use Equifax 04, they can be dramatically different. You can purchase your Equifax 04 score directly from the Equifax site but make sure you purchase the single score called "score power".

Fico 8 12/9/17
Equifax 850, TransUnion 842 10/30/17 , Experian 842 12/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 2 of 4
TheGardner
Valued Contributor

Re: Should I go with myfico scores!!!

DCU gives members Fico 04 for free monthly! Open a checking and savings account .

 

if your reports are the same will give you a good indication. Mid score should be above 620. Good luck!

If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 3 of 4
ktl72455
Valued Contributor

Re: Should I go with myfico scores!!!

That is also the only reason I signed up with DCU and I assure you, my scores are 30 points lower than my current scores here. Also be ready to take a HP inquiry to join DCU.

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 4 of 4
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