Trans Union Personal Credit Score

[Anonymous]

How do the lender rate Trans Union score of 769 out of 990?

Is this score is good enpugh to get good mortgage rates?

Can anybody advice me on this?

Regards

[MarineVietVet]

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@Anonymous wrote:

How do the lender rate Trans Union score of 769 out of 990?

Is this score is good enpugh to get good mortgage rates?

Can anybody advice me on this?

Regards

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Welcome to the forums.

I hate to be the bearer of bad news but the "score" you get from True Credit is not a FICO score. It's what's called a VantageScore and is not comparable to a FICO score in any way. For one thing the range of VantageScores goes from 500-990 and FICO scores range from 300-850.

No one has been able to pull their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myfico. I suggest you do an internet search for "myfico discount codes" to save a little money. You can also purchase your Equifax score at www.equifax.com (If you look hard enough) and your Transunion score at www.transunioncs.com.

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
6/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

[Anonymous]

Thanks,

It says in the credit report summary that "It's an average score, it may be difficult for you to qualify for the best credit offers. Prepare yourself to pay higher fees and interest rates."

It also says that my credit rank is higher that 43% of the nations population.

Now, my question is lenders will only see this number OR they will also see FICO numbers.

Please respond..

[MarineVietVet]

---

@Anonymous wrote:

Thanks,

It says in the credit report summary that "It's an average score, it may be difficult for you to qualify for the best credit offers. Prepare yourself to pay higher fees and interest rates."

It also says that my credit rank is higher that 43% of the nations population.

Now, my question is lenders will only see this number OR they will also see FICO numbers.

Please respond..

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Different lenders will look at different scores. Some will pull just Transunion or Equifax. Others will look at just Experian. Mortgage lenders will look at all three. There is an auto enhanced FICO score sometimes used by lenders for car loans.

It's unlikely any lender will use a VantageScore to make a decision.

I urge you to pull a FICO score to see where you truly stand.

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
6/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

[Anonymous]

Does credit history gets affected if I ask for my reports?

Regards

[MarineVietVet]

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@Anonymous wrote:

Does credit history gets affected if I ask for my reports?

Regards

---

There is absolutely no negative effect on your score, history, or anything else by you pulling your own scores or reports.

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
6/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score