One way, albeit extreme, is to app for a mortgage. The lender will pull all three, and s/he is required to tell you your scores.
In most cases, you'd be able to find out your FICO TU04 this way as well.
In most cases, you'd be able to find out your FICO TU04 this way as well.
@haulingthescoreup wrote:
One way, albeit extreme, is to app for a mortgage. The lender will pull all three, and s/he is required to tell you your scores.
In most cases, you'd be able to find out your FICO TU04 this way as well.
hmmm...a mortgage, you say... 
Well, you don't actually have to buy a house!!!
Although I don't know where the credit report pull first occurs in the mortgage process. I suppose if it's early enough (and then you skedaddle on out), you might not have paid any significant fees by then. Maybe this is something that is done when pre-qualifying? (= tire-kicking stage)
Believe it or not, when we found out that EX was removing the option to buy our own scores, we had people so hooked on knowing all three scores that they discussed apping a mortgage, just to find out. Don't know how many actually did so.
Although I don't know where the credit report pull first occurs in the mortgage process. I suppose if it's early enough (and then you skedaddle on out), you might not have paid any significant fees by then. Maybe this is something that is done when pre-qualifying? (= tire-kicking stage)
Believe it or not, when we found out that EX was removing the option to buy our own scores, we had people so hooked on knowing all three scores that they discussed apping a mortgage, just to find out. Don't know how many actually did so.
I asked this question to a friend who is a mortgage broker. "During the mortgage approval process, when and how often are CR's pulled on the applicant"? She replied that "CR's are pulled the day the application is signed and each month during the process. The last CR is pulled within a few days of closing". She also said that there does not need to be a contract to purchase a house before applying for a loan. Pre-Approvals are done all the time with no cost to the customer until they actually buy a house and close.
Starting Score: TU 737 EQ 721
@haulingthescoreup wrote:
Well, you don't actually have to buy a house!!!
Although I don't know where the credit report pull first occurs in the mortgage process. I suppose if it's early enough (and then you skedaddle on out), you might not have paid any significant fees by then. Maybe this is something that is done when pre-qualifying? (= tire-kicking stage)
Believe it or not, when we found out that EX was removing the option to buy our own scores, we had people so hooked on knowing all three scores that they discussed apping a mortgage, just to find out. Don't know how many actually did so.
But it sucks that to get your EX FICO this way it will cost you three hard INQs.
