Read the stickies above the mortgage forum so you have an idea about FICO mortgage scores. As Ch7Rebuilding pointed out, it is a different scoring formula from FICO 8 which is what CCT uses. There are many versions of FICO so you need to know what the lender will be using for your underwriting criteria (whether it is bankcards, auto loans or mortgage loans). All mortgage lenders use mortgage scores rather than FICO 8 (except for 1 lender of which I am aware) and even most portfolio lenders use mortgage scores rather than FICO 8.
It is iimportant to note that even more important than your score is your debt ratios. While you are paying down your current debt for better scores, it will also benefit your debt ratios by reducing your outstanding debt. Search here in this forum for an explanation of front end and back end ratios so you have a handle on what you need to do, if anything.
Take the time to visit the rebuilding forum so you can see tips to increase your scores. It will be worth your effort to do so.
EDIT: Quite a few mortgage lenders require a min mortgage score of 620, some require a min mid-score of 640 and others require a min mid-score of 660. Big box banks are more conservative right now (tighter criteria). You would be better off going to a mortgage banker rather than a bank. A mortgage banker only does mortgages, nothing else. They originate, underwrite and fund their own loans. They have the capacity to broker a loan out, but they mainly fund their own loans and then sell them to one of the big box servicers IME. That is a good thing.
