topic Re: Free TU Mortgage Score in Mortgage Loans

Free TU Mortgage Score

kberly69 — Thu, 01 Oct 2020 16:41:57 GMT

I came across a post by @jrands that mentioned getting a TU 4 mortgage score with a soft pull from Better Mortgage. I tried it and the score they gave was the same as the one I got from MyFico. Of course I have some marketing emails to deal with but I think it was worth it. They spell out that there is no credit ding and it's been two days with nothing so it seems all is well on that front.

I have not seen that mentioned before so though it was worth it's own post.

Re: Free TU Mortgage Score

blindambition — Thu, 01 Oct 2020 16:53:48 GMT

Thanks for sharing your data points with the community. Always nice to have the most updated process.

Re: Free TU Mortgage Score

jrands — Thu, 01 Oct 2020 23:27:47 GMT

Good post. And even though a phone number is needed, I haven't gotten any calls from them and have only received 2 emails from them directly regarding the pre-qual inquiries I've made. So it seems it might be worth it for folks wondering what their TU mortgage score is.

Re: Free TU Mortgage Score

AllZero — Thu, 01 Oct 2020 17:49:14 GMT

Thank you for sharing the information.

Re: Free TU Mortgage Score

vertekal — Thu, 01 Oct 2020 18:31:00 GMT

I just tried this, but it said I was denied since my score was under 620 and didn't show an actual score. In the followup email, though, it did give me a score.

Assuming the score in my email is the mortgage score (TU uses FICO 4), it went up 50 points over the last month!

Re: Free TU Mortgage Score

Anonymous — Thu, 01 Oct 2020 22:17:57 GMT

This is good to know, thank you!

Re: Free TU Mortgage Score

sxa001 — Fri, 02 Oct 2020 02:08:56 GMT

Since I plan to app with Better.com next month while rate shopping anyways or maybe the first week of December I decided to go ahead and do the SP. No surprises, matched my TU on MyFico. Thanks for sharing!

Re: Free TU Mortgage Score

turktucker — Fri, 02 Oct 2020 02:50:55 GMT

Thanks so much for this info @kberly69! TU is the one score I needed (for free until my 3B report update in 12 days) and I was just able to get it from better.com. Great info!

Re: Free TU Mortgage Score

jrands — Sat, 14 Nov 2020 09:07:25 GMT

@kberly69Well, it seems like this hack for getting a free TU Mortgage Score is no more. I just checked Better's site and got my FICO 8 score instead of the mortgage score.

@kberly69 wrote:
I came across a post by @jrands that mentioned getting a TU 4 mortgage score with a soft pull from Better Mortgage. I tried it and the score they gave was the same as the one I got from MyFico. Of course I have some marketing emails to deal with but I think it was worth it. They spell out that there is no credit ding and it's been two days with nothing so it seems all is well on that front.
I have not seen that mentioned before so though it was worth it's own post.

Re: Free TU Mortgage Score

AllZero — Sat, 14 Nov 2020 18:27:36 GMT

@jrands wrote:
@kberly69Well, it seems like this hack for getting a free TU Mortgage Score is no more. I just checked Better's site and got my FICO 8 score instead of the mortgage score.

Thank you for sharing the information.

Re: Free TU Mortgage Score

Anonymous — Sat, 14 Nov 2020 20:25:39 GMT

Yes thank you for this thread, it's nice to have an idea of what my TU4 is in comparison to my EX2. Now all I need is my EQ5, as it seems DCU is using EQ4 now.

Re: Free TU Mortgage Score

kberly69 — Sun, 15 Nov 2020 20:27:33 GMT

@AllZero wrote:
@jrands wrote:
@kberly69Well, it seems like this hack for getting a free TU Mortgage Score is no more. I just checked Better's site and got my FICO 8 score instead of the mortgage score.
Thank you for sharing the information.

That was short lived Thanks for the update. I'm no longer in need so I wouldn't have noticed to share that.

Re: Free TU Mortgage Score

jrands — Mon, 16 Nov 2020 01:07:38 GMT

@Anonymous wrote:
Yes thank you for this thread, it's nice to have an idea of what my TU4 is in comparison to my EX2. Now all I need is my EQ5, as it seems DCU is using EQ4 now.

Hopefully you were able to get your TU4 score before it changed to TU8.

Re: Free TU Mortgage Score

Anonymous — Fri, 27 Nov 2020 03:42:07 GMT

I just did it and I got my TU mortgage score.

Re: Free TU Mortgage Score

Anonymous — Thu, 03 Dec 2020 15:56:39 GMT

How do you know which burueas mortgage score it gave you? It gave me a score, but I didn't see which bureau it pulled from. ( I actually got notifications from all 3 bureaus that say my credit was pulled)

@Anonymous wrote:
I just did it and I got my TU mortgage score.

Free TU Mortgage Score

tnhomestead — Fri, 04 Dec 2020 03:42:07 GMT

They claimed my score is a 739 which I find hard to believe!

Re: Free TU Mortgage Score

TC1212 — Tue, 16 Feb 2021 18:48:59 GMT

I just did the online prequalification today and they gave me my Experian mortgage score. It's exactly what I got from Experian's website. It's still a soft pull.

Re: Free TU Mortgage Score

Anonymous — Tue, 16 Feb 2021 20:49:50 GMT

I tried it over the weekend and got the exact same as my Experian Mortgage score also. It was a soft pull for me as well.

Re: Free TU Mortgage Score

hsfun2019 — Wed, 03 Mar 2021 20:02:22 GMT

Thank you for letting us know about this.

Re: Free TU Mortgage Score

jrands — Sat, 06 Mar 2021 19:30:09 GMT

Also got my Experian mortgage score. So looks like it was TU's mortgage score for a time, then went to TU8 score, and now it's currently using the Experian mortgage score.