12-24-2013 08:33 PM
Myfico scorewatch says score is 686.
Purchased 3 bureau score & reports from creditscore.com,this shows experien 686,equifax 686 ,transunion 609.
Is it normal to see such a large varience in the transunion scores? 686 vs. 609 ?
With the current scores I'm seeing I understand that they are not what a lender will see. Whats the chance of getting a mortgage with 10% down?
12-24-2013 09:22 PM
The scores from creditscore.com are not FICO scores.
The EQ SW from myFICO is a FICO and if it is 686 that is what the LO will see for that CRA.
As for the variances, even in a FAKO score, they can be widely different. Each CRA scores differently. Is everything the exact same on all reports?
Even a FICO score will vary based on different factors. Including the fact each CRA has a different way to score.
For a mortgage they take the middle score so it would depend on what your TU and EX scores from the lender are. 686 is a good score.
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