Frequent Contributor
frugalQ
Posts: 484
Registered: ‎03-23-2012
MyFICO TU98 vs Lender Pull TU

Good morning Forum,

 

I got the myfico TU98 score today, and it is listed at 655.  I am refinancing my house, and my mortgage lender TU score was 699....which is a 44 point jump.  I am sooo thankful that the mortgage company does not use the same scoring model that myfico does.   My middle score would have been in the 650's if they had used TU98 (either TU or Equifax).  However, at it stands, my middle score is 678 (Experian).

 

This goes to prove how important utilization is when calculating your FICO score.  With TU98, my utilization is 28%, but when Amex is not factored in, my utilization is 15%.

Capital One Platinum 0/2.5K - AmEx Green NPSL - Amex Hilton HHonors Surpass 0/7K - Amex BCP 0/8.5K - Chase Freedom 0/3K - Discover IT 0/6.5K - LOC 0/2.5K