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Hi everybody,
I am trying to get my mortgage scores up but my Experian score seems to be stuck at 690 for the last month, my other scores went up to 712 and 725 during the same time . I need to apply for mortgage but of course I want a low interest rate. What can I do to get the score up?
Since your lowest score is going to be ignored, I wouldn't lose any sleep over it.
i too find experian to be lagging behind the other 2 at ALL times! it's the lowest one for the past 5 years. eventhough credit is the same.
I read on previous post that they use the lowest score. So who is correct?
That's great then hopefully I will get a better interest rate, my middle score is 715.
They do use the middle score, but are you seeing your the FICO mortgage scores? They are: Experian Fico 2, TransUnion Fico 4, Equifax Fico 5. You can get them from the MyFico 3B report.
They can be significantly different (for better or worse) than the FICO 8 scores that are typically given. And forget about the Vantage scores from Credit Karma or WalletHub. Those FAKO scores mean nothing to lenders.
Sorry to confuse ya'll but I was on my wifes myfico account and didn't realize it.... Yes , I am aware of the difference on the scoring and which ones are used for mortgages. I have been on myfico for while and get my scores from them.