With my FICO scores should I apply for mortgage?

[Anonymous]

Hello,

I've done research on this website as I'm getting ready to go for a mortgage approval but have been hesitant until I get all my ducks in a row.

Am I correct that most mortgage lenders use FICO5, FICO4 and FICO 2? I have not gone for a mortgage approval yet because Credit Karma lists me at 720 and I wanted to get up to atleast a 740. My credit card utilization is pretty high right now because of recent wedding expenses and dropped my credit score, but I make the payments and pay off large chunks at a time. However, when signing up here I got the following:

Equifax FICO5: 782

TransUnion FICO4: 742

Experian FICO 2: 785

I was pretty suprised by these scores and I figured they would have been lower then Credit Karma's Vantage 3.0 model. Perhaps I wasn't giving myself enough credit (no pun attended) and should not worry about going in for approval?

Thanks for any insight or advice. 

[dt3813]

Myfico scores are your real scores, if you look at your other scores on the report you got here you'll see the mortgage scores.  Those are the exact scores a lender gets.  You're Karma scores are FAKOs and mean nothing.

[Anonymous]

I applied for a mortgage to see what I need to do to prepare for a mortgage and see what it is that my Lender was seeing.

They pulled a tri-merge report from credit plus... scores were identical to Myfico... 

Hope this helps.