07-27-2007 07:11 PM
07-27-2007 07:37 PM - edited 08-05-2007 09:17 AM
FICOnater2007 wrote:Today we had our credit report pulled by a mortgage broker (quite a nice chap!) in the process of getting pre-approval on a home loan. The report they pulled had different numbers than those my wife and I have been getting from www.FreeCreditReport.com .Okay, so here are the results of my scores:Free Credit Report Scores (as of 7/22/07):EX - 696EQ - 631TU - 685Actual Credit Report Scores (as of 7/27/07):EX - 684 (listed as FAIR ISSAC SCORE 2) ----> 12 points lower!EQ - 629 (listed as BEACON 5.0 SCORE) ----> 2 points lower!TU - 669 (listed as CLASSIC SCORE) ----> 16 points lower!And my wife's scores:Free Credit Report Scores (as of 7/27/07):EX - 656EQ - 639TU - 656Actual Credit Report Scores (as of 7/27/07):EX - 630 (listed as FAIR ISSAC SCORE 2) ----> 26 points lower!EQ - 622 (listed as BEACON 5.0 SCORE) ----> 17 points lower!TU - 657 (listed as CLASSIC SCORE) ----> 1 point higher?!Why? Why? Why are they different?!! Granted, the tri-merge I ran on myself was 5-days ago, but my wife's numbers I ran THIS MORNING. Plus, I've spent a great deal more time on my credit score lately than working on my wife's and mine aren't nearly as "off" as hers.FICOnater2007"Just shoot me..."
08-04-2007 06:28 PM
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