Rebuilding Your Credit

[tshope4205]

So, I had a lender pull scores on 10/30/12 - and my scores were as follows:

• EQ 534
• EXP 573
• TU 609

I pulled MyFico the same day and it gave me the 534 score - which I was impressed with (since my previous credit monitoring service was WAY off on that score).  I have been working feverishly to get scores up ASAP, and received a score update from my Fico today that I am now at a 614.  My question is - should I feel confident that it's the same score a lender (mortgage) would also show for my EQ score if it was pulled today? 

[annielorie]

If they are using the same model yes 

[llecs]

Ditto, virtually all mortgage lenders use the same EQ FICO version, Beacon 5.0. That means you are up 80. Congrats!

[NY_Beauty]

Yes!  When the same thing happened to me I told the lender and she said "I don't think so..." I encouraged her to check and when she did she pulled the same score!  Whoo hoo!

[tshope4205]

Woo-hoo!!  Thanks everybody!