topic Which Credit Score?? Need some advice in General Credit Topics

Which Credit Score?? Need some advice

firemartinez1980 — Mon, 01 Jun 2020 17:34:07 GMT

I have read on these forums that the FICO scores you can order are the same as Lenders use.

I am getting ready to apply for a VA Mortgage Loan and instead of having the Lenders pull my credit and hit me with inquires, I would like to see the actual scores and provide them with that info as basically a head start...

So first off, is it True that the scores are the same as lenders use?

Where can I order these? Is it the Basic, Advanced, Premier packages on the MyFico website??

Thanks in advance!!

Re: Which Credit Score?? Need some advice

AllZero — Mon, 01 Jun 2020 18:11:17 GMT

@firemartinez1980. You can obtain your 3 bureau mortgage scores at . Cancel plan after you obtain your scores and reports to avoid re-occurring monthly charge.

EX2, TU4, EQ5 are the scores lenders use for mortgage application. If nothing has changed on your credit report when they pull, then it should be the same scores you obtain.

Re: Which Credit Score?? Need some advice

Girlzilla88 — Mon, 01 Jun 2020 18:39:44 GMT

When I pulled my 3 Mortgage to check and they did a HP they did pull my middle Mortgage Score and it was spot on Good luck to you

Re: Which Credit Score?? Need some advice

coreysw12 — Tue, 02 Jun 2020 18:55:05 GMT

@AllZero wrote:
EX2, TU4, EQ5 are the scores lenders use for mortgage application. If nothing has changed on your credit report when they pull, then it should be the same scores you obtain.

Correct, and also be aware that they might be substantially different scores than you're seeing on other websites using other scoring models.

For example, looking at the scores in my signature below, you'll see my mortgage scores are substantially lower than all the rest of them... hopefully it's the opposite for you

Re: Which Credit Score?? Need some advice

SouthJamaica — Tue, 02 Jun 2020 23:19:35 GMT

@firemartinez1980 wrote:
I have read on these forums that the FICO scores you can order are the same as Lenders use.

I am getting ready to apply for a VA Mortgage Loan and instead of having the Lenders pull my credit and hit me with inquires, I would like to see the actual scores and provide them with that info as basically a head start...

So first off, is it True that the scores are the same as lenders use?

Yes

Where can I order these?

Here

Is it the Basic, Advanced, Premier packages on the MyFico website??

Advanced or Premier. Thereafter you get quarterly updates with Advanced or monthly updates with Premier.

Thanks in advance!!

You won't thank me when you see the price. $30 mo + tax for quarterly, $40 mo + tax for monthly.

The lenders use the middle score of the 3 bureaus' mortgage scores.