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New Visitor
Posts: 1
Registered: ‎10-23-2012
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Credit Scores

I was looking to get financed for our new home. I ran all three of my credit scores from TU 670, EQ 599 and EX 644. When I went to the lender he told us that my mean/median score was 584 and I could not get qualified. He to us that what we see online from EQ, TU and EX are not real FICO scores? I am not sure what to do?  

New Visitor
Posts: 760
Registered: ‎02-11-2012
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Re: Credit Scores

You say you ran all of your credit scores. Where did they come from?  If not from a lender or my fico.com they were probably a generic, aka fako. Fako scores are a lot higher than tru Fico scores.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
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Blogger
Posts: 3,367
Registered: ‎10-19-2012
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Re: Credit Scores

A score that does not mention FICO is guaranteed to not be a FICO score. 

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