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@Anonymous wrote:
What is a mortgage score? I thought we just had the one score from all 3 bureaus but from what I have been reading there is a mortgage score. Please advise
The mortgage score is a subset of a Fico year. Each major release year of Fico has a mortgage enhanced score model (along with 48 other lender specific models), currently the mortgage industry is still using Fico 04 for mortgage scores, the 3 scores on scorewatch here at My Fico are the basic Fico 08 model. I think you can get a pull of mortgage score on one or 2 bureaus with the expanded scores they are giving on single pull orders, I would not do so though until you are finished with your active credit repair in preparation for a mortgage pull.
@Anonymous wrote:
i have never heard of any of these. So I have a mortgage score even though I have never had a mortgage?
Yes you do. Just like people can have an auto enhanced score even if they have never financed/leased a car before. Here is a thread that goes into great detail about the different types of FICO scores:
Thank you!