Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: FICO scores vs lender numbers

I'd drill your broker to figure out if they are using FICO scores, and if so, what type of FICO scores they are using. Sounds like they gave a bad number. Your scores are terrific. The only thing that I can think of to explain the difference is if something major happened to your reports to tank your scores in between your myFICO pulls and your lender's pull. Another scenario is if your scores are high, but your spouse's mid-score was 635.


Your lender should be supplying a tri-merge report and it should show 3 scores. It should also list what score is used and the score version.