Understanding FICO® Scoring

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Valued Member
MarieSmiles4
Posts: 35
Registered: ‎03-06-2013

3 scores (mid score)

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‎03-15-2013 04:38 PM

When we went to get a pre-approval for a mortgage, I was told they use our mid-score as our credit score.  At that time it was 568,568,and 620, so she said the 568 was my mid score.  Today I checked my TU and it is 614, my EQ is 583, but I do not know my EX score.  Does anyone know where I can get my EX score? (not a fako)  And on average are the EX and EQ score usually similar? Or the TU and EQ?  I am trying to make a guess as to which score is my highest!:smileytongue:

Starting Score: 568
Current Score: EQ600, TU630 TU04 606, EX650
Goal Score: 700

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Adalen
Posts: 347
Registered: ‎05-01-2007

Re: 3 scores (mid score)

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‎03-15-2013 04:46 PM

The TU score here is more than likely not what your lender pulls, so almost pointless. And you cannot get your EX score unless you belong to a select few (one that I know of) credit unions that offer it. Or get it from a lender. They stopped selling it long ago.
2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.
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MarieSmiles4
Posts: 35
Registered: ‎03-06-2013

Re: 3 scores (mid score)

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‎03-15-2013 05:05 PM

So when you go to the Experian website and purchase the score for 14.95, is it a FAKO??  

Starting Score: 568
Current Score: EQ600, TU630 TU04 606, EX650
Goal Score: 700

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Frequent Contributor
Adalen
Posts: 347
Registered: ‎05-01-2007

Re: 3 scores (mid score)

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‎03-15-2013 05:50 PM

Yes.
2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.
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