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Rocket Mortgage said Zero Credit Score - MyFico and others Show Fair>Good Scores

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Anonymous
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Rocket Mortgage said Zero Credit Score - MyFico and others Show Fair>Good Scores

Rocket Mortgage said I have zero credit since my june Chap13 discharge.  This was unexpected.  Not only did i pay off two auto loans not included in the plan, but i opened a secure card for re-establishing and these reflect on the reports I monitor.   I purchased credit monitoring services for Trans Union, Equinox, Experian and Fico, all reporting fair-good scores. 

 

Did I purchase the wrong reports to monitor?  How can I know where I truly stand with lenders?  Should I give up for now on prequalifying? I don't want to ding my credit again if my score is truly zero.   

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2 REPLIES 2
JVille
Valued Contributor

Re: Rocket Mortgage said Zero Credit Score - MyFico and others Show Fair>Good Scores

Buy a 3 Bureau report on the site (my Fico) and see if you are thinking Apples and they are seeing Oranges?
Message 2 of 3
Medic981
Valued Contributor

Re: Rocket Mortgage said Zero Credit Score - MyFico and others Show Fair>Good Scores

What score is Rocket Mortgage using? Who does Rocket Mortgage pull reports from? Experian generates a FICO 2 mortgage score; TransUnion FICO 4; and Equifax a FICO 5. 







Your FICO credit scores are not just numbers, it’s a skill.
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