UPDATE:
We were up against a firm deadline to get a pre-approval to begin building our new house, so we just went for it and applied! Here are my current scores, as pulled by our mortgage lender yesterday:
EX 623 (FAKO from freecreditreport.com was 594)
EQ 622 (same as here)
TU04 612 (TU98 from here was 615, so 3 points difference)
The great news is, a middle score of 620 was enough to get formal pre-approval and now we have 7-8 months until the house is built and we close for me to continue working on my util % and get my score up to a level that makes me feel more secure!
Mid-2010 Starting Scores: FAKO EQ 476 FAKO EX 506 FICO TU98 575
July 2017 Current Scores: Approx 710 (waiting for official updates)
