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Anyone know of lenders that use FICO 8 scores?

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Valued Contributor

Re: Anyone know of lenders that use FICO 8 scores?

Highly unusual and scarier still is that I’ve spoken with Lenders who don’t even know that Fico comes in different flavors! Much less the version they are using.
Message 11 of 20
Frequent Contributor

Re: Anyone know of lenders that use FICO 8 scores?

None that I've ever heard of.....Sorry

VA & FHA down to 550...
Licensed Senior Mortgage Loan Officer in the states of Arizona & California
Specializing in VA, FHA, USDA & Conventional loans. My company is also licensed in 12 states, Arizona, Colorado, Nevada, California, Oregon, Washington, Utah,
Alaska, New Mexico, Texas, Illinois and Florida
Message 12 of 20

Re: Anyone know of lenders that use FICO 8 scores?

Do you know what lenders uses FICO 8 for construction loans ?

Message 13 of 20

Re: Anyone know of lenders that use FICO 8 scores?

@ME 12345  - I see you are a Senior Officer that works for loans in Florida- Do you offer the FHA new construction to perm loan -- I am looking for a lender

 

thanks

Message 14 of 20
New Visitor

Re: Anyone know of lenders that use FICO 8 scores?

I live in VA and I emailed McLean mortgage to confirm this and they told me they do not, only the old FICO scores most banks use.   Smiley Sad

Message 15 of 20
New Visitor

Re: Anyone know of lenders that use FICO 8 scores?

Yes it's true I talk to 3 lenders and none of them had no clue of what FICO version they used, they didn't even know different FICO versions even existed... My FICO 8 is 645 my FICO 2 is 553 that's almost 100 points different.
Message 16 of 20
Regular Contributor

Re: Anyone know of lenders that use FICO 8 scores?

Are you trying to go FHA?
Message 17 of 20
Frequent Contributor

Re: Anyone know of lenders that use FICO 8 scores?

I am using TJC currently in Alabama and they didn't pull FICO 8's. They pulled my 5,4,2 scores and they matched perfectly from what I pulled on here.
Credit conscience!
Message 18 of 20
New Visitor

Re: Anyone know of lenders that use FICO 8 scores?

Omg! My FICO scores are the same. My FICO 8 is 645 but my 2, 3 and 5's are like in the very low 500s. Ive been working hard to build it up but it seems like only FICO 8 is going up and the others arent even budging.
Message 19 of 20
New Visitor

Re: Anyone know of lenders that use FICO 8 scores?

Hi, do you have contact information?

Message 20 of 20
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