Frequent Contributor
brother7
Posts: 380
Registered: ‎02-06-2009
Re: Walmart CC + CreditKarma = poor man's TU monitoring service?
distantarray wrote:

even though it's only 2/3 bureaus since they use your middle score for a mortgage all you need to really know is 2 out of the 3. Take the lower of your two scores and that's the number you should get a loan on worst case scenario, or the higher number in your best case =)

 

Nice explanation of this!

 

Best Case Scenario:

  • Unknown EX FICO
  • Known FICO <- this is the middle score used for mortgage qualification
  • Known FICO

Worst Case Scenario:

  • Known FICO
  • Known FICO <- this is the middle score used for mortgage qualification
  • Unknown EX FICO

 Additional Scenario:

  • Known FICO
  • Unknown EX FICO <- this is the middle score used for mortgage qualification
  • Known FICO

11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
12/08/2014 Current - TU 823 (Walmart MasterCard TU FICO 08 Classic)
GOAL - 800! - App free since 09/07/2014