WHO USES TRANSUNION?

Anonymous · ‎09-26-2014

Does anybody know which banks/ finance comanies or loan companies use TransUnion in Georgia? I want to purchase a house and my TransUnion report is my highest score right now.

jackg · ‎09-26-2014

Unfortunately all 3 bureaus will be pulled.

FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)

EX=738
EQ=735
TU=754

FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739

TimeToRecover · ‎09-26-2014

All 3 are pulled and it is your middle score that is used not your highest

Starting Score: 570 ish
Current Score:EX (701) EQ (711) TU (705)
Goal Score: 750
In My Wallet: GE Care Credit (8K) BestBuy (6K) BofA Cash Rewards Signature Visa (7K) Cap One Quicksilver (10.5K) Chase Freedom (4K) Lowes (6K) VS Angel Card (2.4K), Macys (4K)

Anonymous · ‎09-26-2014

Yep and if you have a co-borrower and your co-borrower's middle score is lower, theirs will be used.

Anonymous · ‎04-16-2015

Regions bank

StartingOver10 · ‎04-16-2015

Even Regions pulls all 3 and uses the middle score. The mid score is not a particular report, it is literally the score in the middle of the 3 scores.

Lemmus · ‎04-16-2015

@Anonymous wrote:
WHO USES TRANSUNION?

Does anybody know which banks/ finance comanies or loan companies use TransUnion in Georgia? I want to purchase a house and my TransUnion report is my highest score right now.

...are you citing the Fico 8 scores normally seen here ...or actual mortgage scores you get from a mortgage lender or from your myFico 3B reports? ...I ask because what is highest on one score model may not be on another ...mine certainly have not always trended the same

...as others have said, all 3 CRs will be pulled ...only with CCs do you see the lender pulling a single CR ...hth

DallasLoanGuy · ‎04-17-2015

been in the biz 11 years.

never seen a lender pull/use just one bureau.

Retired Lender

Anonymous · ‎04-18-2015

@StartingOver10 wrote:
Even Regions pulls all 3 and uses the middle score. The mid score is not a particular report, it is literally the score in the middle of the 3 scores.

Are you saying average or something else? Considering the following, what should I expect from Wells Fargo?

EQ FICO 8: 723

EQ FICO 5: 701

TU FICO 8: 695

TU FICO 5: 692

EX FICO 8: 708

EX FICO 5: 700

Lemmus · ‎04-19-2015

@Anonymous wrote:
@StartingOver10 wrote:
Even Regions pulls all 3 and uses the middle score. The mid score is not a particular report, it is literally the score in the middle of the 3 scores.

Are you saying average or something else? Considering the following, what should I expect from Wells Fargo?

EQ FICO 8: 723
EQ FICO 5: 701

TU FICO 8: 695
TU FICO 5: 692

EX FICO 8: 708
EX FICO 5: 700

...literally the "middle" score of your three mortgage scores ...in your case: 700 ...hth