You can get your mortgage scores here, and all the other scores as well, right here on myfico. You have to pay the membership fee, tho, to see all the scores. And they are the real ones, I promise you that. We used this site when we were applying for a mortgage and they were spot on with what our LO pulled. The mortgage scores are NOT the Fico 8 scores. The mortgage scores are the older versions for all three credit agencies. I don't remember off the top of my head what they are called, but when you pay the fee you can select to see all scores used in lending...the ones for mortgage are clearly labeled 'most used for mortgage lending'. There's also particular scores used for auto lending as well. The scores you see on creditkarma are not your real scores that lenders use. I believe that scoring is called 'Vantage' and virtually no lenders use it. Creditkarma is only good for seeing what is in your report and nothing else. I do check that periodically but i pay no attention to the scoring. If I were you, I would go ahead and pay at least for one month so you could see where you are at mortgage-score wise. Once you know that, there are tons of help and advice here on the message boards to help and encourage you along your way. There's some very knowledgable LO's on here as well that give excellent advice and answer your questions.
