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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!!
@firemartinez1980. You can obtain your 3 bureau mortgage scores atFICO Advanced . 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.
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
@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
@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.