topic Re: Fico 5/4/2 question. in Understanding FICO® Scoring

Fico 5/4/2 question.

Anonymous — Thu, 13 Jan 2022 19:11:42 GMT

On my myfico.com account , I see my fico 5/4/2 scores. Below the scores it is dated 07/20/2021. Does this mean that these scores have not been reported on or updated since 07/20/2021.

If so, How can I get them upodated?

tia

Re: Fico 5/4/2 question.

dragontears — Thu, 13 Jan 2022 19:40:52 GMT

@Anonymous wrote:
On my myfico.com account , I see my fico 5/4/2 scores. Below the scores it is dated 07/20/2021. Does this mean that these scores have not been reported on or updated since 07/20/2021.

If so, How can I get them upodated?
tia

Correct, you need to either "refresh" your reports if you have a subscription or buy new reports if you don't have a subscription to see up to date scores

Re: Fico 5/4/2 question.

Anonymous — Thu, 13 Jan 2022 19:57:23 GMT

Are these the scores a lender will see if they inquire on me for a mortgage, dated 07/20/2021? or will they see more updated scores?

Re: Fico 5/4/2 question.

dragontears — Thu, 13 Jan 2022 21:43:17 GMT

@Anonymous wrote:
Are these the scores a lender will see if they inquire on me for a mortgage, dated 07/20/2021? or will they see more updated scores?

They will see your scores generated the moment they do the pull not scores from months ago.

Data on credit reports change all the time and scores (no matter the type) are based off of that data. Your reports have changed since last July (even if it is just aging).