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I am applying for a mortgage at the beginning of April and need a 660 minimum credit score. So I am a member of myfico.com and get credit alerts everytime my score changes for Equifax. My Equifax FICO is only 632, but my Transunion FAKO is 788. Transunion just went up 60 points since I had some 90 day past dues removed. But those 90 day past dues were not reported to Equifax, so I will see no increase. I really want to pull my other 2 FICO scores, but money is really tight and I just cannot afford it. They are going to use my middle low score, so if Equifax is typically the lowest than so be it and it does not matter. Any advice?
Transunion is my lowest, Experian highest and Equifax is right in the middle. The FAKO score is most likely way off, mine always are. I would suggest you buy your scores on myfico for transunion and experian. They may not be exact due to the lender using a different model but they will for sure be closer than any FAKO score you can find.
usually in middle for me
EQ is my highest, EX is the middle, and TU is my lowest. I have more HPs on TU and I think my CO is graded more harshly in the TU algorithm. Or maybe it's my lack of a mortgage. Who knows?
Do you think it may have something to do with my HELOC loan? On Equifax it has it listed as revolving $22,500 credit limit, balance $22,500. So its basically showing I have a maxed out credit card, but its my home equity loan. On Experian it lists it as revolving, but a credit line secured. Besides that all other information is the same.
Equifax is my lowest also. EQ has the most inaccurate information, INQs and other issues of any of them. This will be the one that takes me the most to clean up.
Equifax is and has been my highest score since I started watching it a little over a year ago.
EX is my lowest, followed by TU, then EQ. I'm sure my TU would be highest if I pulled now since it's always about 20 points higher than my EQ.
@Kbrown1022 wrote:I am applying for a mortgage at the beginning of April and need a 660 minimum credit score. So I am a member of myfico.com and get credit alerts everytime my score changes for Equifax. My Equifax FICO is only 632, but my Transunion FAKO is 788. Transunion just went up 60 points since I had some 90 day past dues removed. But those 90 day past dues were not reported to Equifax, so I will see no increase. I really want to pull my other 2 FICO scores, but money is really tight and I just cannot afford it. They are going to use my middle low score, so if Equifax is typically the lowest than so be it and it does not matter. Any advice?
EQ is my higest