topic Re: Credit scores in Understanding FICO® Scoring

Credit scores

Lucy2021 — Wed, 01 Jun 2022 14:43:07 GMT

Transunion score rose 20 points. Does my Equifax and Experian scores raise 20 points as well?

Re: Credit scores

TheKid2 — Wed, 01 Jun 2022 14:48:52 GMT

Unfortunately, nobody can say for sure. Way too many factors to predict.

My scores have never been the same across all 3 bureaus.

Re: Credit scores

Lucy2021 — Wed, 01 Jun 2022 15:12:30 GMT

We're in the process of getting pre approved for a mortgage. I use credit sesame to check scores. My lender did a hard inquiry about a month ago. Scores she pulled were Transunion-686

Experian-624

Equifax-624

Credit sesame has current scores Transunion-735

Experian-689

Equifax-693 (which I know are higher than what the lender will pull when she does a hard inquiry again).

Is it possible that my Equifax and Experian are at a 640?

Re: Credit scores

SouthJamaica — Wed, 01 Jun 2022 15:24:41 GMT

@Lucy2021 wrote:
We're in the process of getting pre approved for a mortgage. I use credit sesame to check scores. My lender did a hard inquiry about a month ago. Scores she pulled were Transunion-686
Experian-624
Equifax-624
Credit sesame has current scores Transunion-735
Experian-689
Equifax-693 (which I know are higher than what the lender will pull when she does a hard inquiry again).
Is it possible that my Equifax and Experian are at a 640?

You are looking at scores which have no meaning for your mortgage application.

The only way I know of to get your mortgage scores is to pull a report from MyFICO. It's expensive, but worth it, if you're close to applying for a mortgage. Your mortgage scores are TU FICO 4, EQ FICO 5, and EX FICO 2.

Re: Credit scores

Lucy2021 — Wed, 01 Jun 2022 15:28:11 GMT

@SouthJamaica wrote:
@Lucy2021 wrote:
We're in the process of getting pre approved for a mortgage. I use credit sesame to check scores. My lender did a hard inquiry about a month ago. Scores she pulled were Transunion-686
Experian-624
Equifax-624
Credit sesame has current scores Transunion-735
Experian-689
Equifax-693 (which I know are higher than what the lender will pull when she does a hard inquiry again).
Is it possible that my Equifax and Experian are at a 640?
You are looking at scores which have no meaning for your mortgage application.

The only way I know of to get your mortgage scores is to pull a report from MyFICO. It's expensive, but worth it, if you're close to applying for a mortgage. Your mortgage scores are TU FICO 4, EQ FICO 5, and EX FICO 2.

Okay. Thanks. I just don't want her to do another hard inquiry, if my score isn't at 640 or above yet.

Re: Credit scores

SouthJamaica — Wed, 01 Jun 2022 15:36:05 GMT

@Lucy2021 wrote:
@SouthJamaica wrote:
@Lucy2021 wrote:
We're in the process of getting pre approved for a mortgage. I use credit sesame to check scores. My lender did a hard inquiry about a month ago. Scores she pulled were Transunion-686
Experian-624
Equifax-624
Credit sesame has current scores Transunion-735
Experian-689
Equifax-693 (which I know are higher than what the lender will pull when she does a hard inquiry again).
Is it possible that my Equifax and Experian are at a 640?
You are looking at scores which have no meaning for your mortgage application.

The only way I know of to get your mortgage scores is to pull a report from MyFICO. It's expensive, but worth it, if you're close to applying for a mortgage. Your mortgage scores are TU FICO 4, EQ FICO 5, and EX FICO 2.
Okay. Thanks. I just don't want her to do another hard inquiry, if my score isn't at 640 or above yet.

It's not a hard inquiry when you buy your reports from MyFICO. A hard inquiry only comes about when you actually apply for credit.