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Are lenders using the new FICO 9 or stil using the older versions for mortgage scores?

Frequent Contributor

Are lenders using the new FICO 9 or stil using the older versions for mortgage scores?

I just pulled my husband's scores and realize there is a new FICO 9 score avaialble. Our mid 9 score is 617 and we need a 620. The older versions has our mid score at 634. So quite a difference. What can I expect?

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Established Contributor

Re: Are lenders using the new FICO 9 or stil using the older versions for mortgage scores?

to the best of my knowledge no lender uses FICO 9 for mortgage they use 04/05 versions

Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 2 of 4
Frequent Contributor

Re: Are lenders using the new FICO 9 or stil using the older versions for mortgage scores?


dragontears wrote:

to the best of my knowledge no lender uses FICO 9 for mortgage they use 04/05 versions


Thanks! 

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Established Contributor

Re: Are lenders using the new FICO 9 or stil using the older versions for mortgage scores?

Mortgages are still using EX2/EQ5/TU4.

EQ8:850 TU8:850 EX8:850 EQ9:846 TU9:844 EX9:846 EQ5:802 TU4:765 EX2:826 - 2018-08-08
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