FICO Score and Middle Score when only have score from one Bureau (as no history with other Bureaus)

[Anonymous]

Hi everyone. Basically, I just moved to the US from abroad and my wife and I are in the process of get pre-approval for a mortgage requiring a credit report (obviously). The first run at this showed no credit history for me which was strange as I have a decent sized student loan which I have been paying off for the past 5 years (under my social security number that I got while in college).

After calling the loan company I have found out the loan should be reporting to TranUnion only and I am in the process of working with TransUnion to get the loan to show up under my social. They say they will add all information (payments and balances) retroactively from December 2012 so that should give me quite a lot of history. 

My question is this: once the loan shows and I am able to generate a score with TransUnion, will this be enough to generate a FICO score (being that this is the only debt/credit I have and the other 2 bureaus will show no history)?

I want to try figure this out before our mortgage company asks for a rapid re-score because it would be pointless to ask for that if I will be unable to generate a score with TransUnion alone.

If the mortgage company takes the middle score - what would this be, considering I would only have a score from TransUnion?

[Anonymous]

Many mortgage lenders will not like you having a score from only one bureau.  As in "refuse to work with you."  But it sounds like some will.  Here is one article I found....

http://blog.credit.com/2014/01/do-you-need-3-credit-scores-to-get-a-mortgage-74798/

... from doing this google searc....

https://www.google.com/search?q=getting+a+mortgage+with+score+from+only+one+bureau&ie=utf-8&oe=utf-8

Doing more research using Google will likely help.  Look for similar kinds of articles to the one I found.  The other suggestion I have is to head over to the mortgage sub-forum here and post your question there.  Many actual lenders hang out there and they may be able to advise you.

[Anonymous]

Thanks for the advice! I will do some similar google searches and also post on the mortgage sub forum to see if anyone has experienced this also 

[UncleB]

Welcome to myFICO! 

Hi @Anonymous, I've removed/merged your four duplicate threads; please refrain from cross-posting as it's difficult to follow and can be confusing to our members (it's also contrary to our policies here).

Also, if you have issues with posts/threads disappearing please let a moderator know.  This usually means the post is in the spam quarantine, and it's easy to remedy.

--UncleB

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