myFICO Mortgage Scores vs Actual Mortgage Lender Scores

[Anonymous]

Just curious for those of you who recently or or currently going through the process, how accurate were the myFICO Mortgage scores compared to what your lender came up with?

[Anonymous]

Mine were exactley the same

[Anonymous]

Exactly the same here also. myFICO is what the lenders use for mortgages pretty much 100% of the time.

[Anonymous]

By the same, you all mean the same as the myFICO mortgage scores, not FICO 8 standard credit scores, right? Just want to make sure!

[Anonymous]

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@Anonymous wrote:

By the same, you all mean the same as the myFICO mortgage scores, not FICO 8 standard credit scores, right? Just want to make sure!

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Yes, as the mortgage scores. I was able to tell my LO the scores before she even pulled them.

[creditstalker]

mine where also the exact same as the mortgage scores from myfico.....the website has really helped me to prepare.

[youdontkillmoney]

Mine too were 100% identical, see below:

5/3/16: Wells Fargo ran my credit score. Came back as 809 with Equifax. Wife's came back as 799 using Equifax.

This matches what I ran from myFICO on 4/30/16:

Mortgage Credit Scores from myFico 3B Credit Reports (As of 4/30/16):

HUSBAND:

Mortgage Score 4: 796 – Transunion

Mortgage Score 5: 809 – Equifax

Mortgage Score 2: 809 - Experian

WIFE:

Mortgage Score 4: 798 – Transunion

Mortgage Score 5: 799 – Equifax

Mortgage Score 2: 812 - Experian

You can read details like the above at my mortgage journey here:

http://ficoforums.myfico.com/t5/Mortgage-Loans/My-Mortgage-Journey-Here-We-Go/m-p/4578315#M192184

[Anonymous]

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@youdontkillmoney wrote:

Mine too were 100% identical, see below:

5/3/16: Wells Fargo ran my credit score. Came back as 809 with Equifax. Wife's came back as 799 using Equifax.

This matches what I ran from myFICO on 4/30/16:

Mortgage Credit Scores from myFico 3B Credit Reports (As of 4/30/16):

HUSBAND:

Mortgage Score 4: 796 – Transunion

Mortgage Score 5: 809 – Equifax

Mortgage Score 2: 809 - Experian

WIFE:

Mortgage Score 4: 798 – Transunion

Mortgage Score 5: 799 – Equifax

Mortgage Score 2: 812 - Experian

You can read details like the above at my mortgage journey here:

http://ficoforums.myfico.com/t5/Mortgage-Loans/My-Mortgage-Journey-Here-We-Go/m-p/4578315#M192184

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I'm sure you both are competitive. I can hear it now.

Husband: "Ha! I have a higher mid-score!"

Wife: "Well I have a higher low score and a higher top score!"

Husband: "The mid score is all that matters"

Wife: "Have fun doing your own laundry this week"

[youdontkillmoney]

Ha ha...

Actually we are not competitive. I manage all the finances/pay bills, control her paycheck and mine too; and ensure both our credit profiles are tops. And I do the laundry for both of us every week. 

[Anonymous]

same as myfico scores