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Does Mortgage Lender see the same report as the MyFico Report?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Member

Does Mortgage Lender see the same report as the MyFico Report?

Hello, I'm just curious when a lender pulls your credit report, is it the same as the one on Myfico? Or is it more lengthy going back much further then the timeline I have on the one here? 

 

Thank you.  Smiley Happy 

Message 1 of 4
3 REPLIES 3
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Established Member

Re: Does Mortgage Lender see the same report as the MyFico Report?

I am curious about this, too. We just got prequalified but it looks like my husband's real FICO is much lower than we thought, so I am not sure exactly what score they are seeing... I am wondering if I can get a better picture with the MyFico service.. 

Message 2 of 4
Community Leader
Senior Contributor

Re: Does Mortgage Lender see the same report as the MyFico Report?

You should be looking at FICO mortgage scores

GOALS: Garden til DEC 2020 and 800 Club



Scores
JUN 2019: EX 788, TU 794, EQ 779
APR 2019: EX 787, TU 789, EQ 781
JAN 2019: EX 794, TU 783, EQ 801
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnate $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $15.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 3 of 4
Regular Contributor

Re: Does Mortgage Lender see the same report as the MyFico Report?

Same as previous poster said, you need Fico mortgage scores specifically not Fico 8. And yes it is the exact same report you can see here on myFico

Message 4 of 4