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Free TU Mortgage Score

kberly69
Frequent Contributor

Free TU Mortgage Score

I came across a post by @jrands that mentioned getting a TU 4 mortgage score with a soft pull from Better Mortgage. I tried it and the score they gave was the same as the one I got from MyFico. Of course I have some marketing emails to deal with but I think it was worth it. They spell out that there is no credit ding and it's been two days with nothing so it seems all is well on that front. 

I have not seen that mentioned before so though it was worth it's own post. 


CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Feb 2018 EQ 704 TU 687 EX 694

9/24/20: 4 years from discharge FICO 8: EQ 751 EX 765 TU 766 FICO 9 EQ 814 EX 804 TU 821
Message 1 of 20
19 REPLIES 19
blindambition
Community Leader
Senior Contributor

Re: Free TU Mortgage Score

Thanks for sharing your data points with the community. Always nice to have the most updated process.

Message 2 of 20
jrands
Contributor

Re: Free TU Mortgage Score

Good post. And even though a phone number is needed, I haven't gotten any calls from them and have only received 2 emails from them directly regarding the pre-qual inquiries I've made. So it seems it might be worth it for folks wondering what their TU mortgage score is.

Message 3 of 20
AllZero
Super Contributor

Re: Free TU Mortgage Score

Thank you for sharing the information.
Message 4 of 20
vertekal
Regular Contributor

Re: Free TU Mortgage Score

I just tried this, but it said I was denied since my score was under 620 and didn't show an actual score. In the followup email, though, it did give me a score. 

 

Assuming the score in my email is the mortgage score (TU uses FICO 4), it went up 50 points over the last month!

EQ: 1/2018: 494 | 9/2020: 634 (+140)
TU: 1/2018: 536 | 9/2020: 653 (+117)
EX: 1/2018: 499 | 9/2020: 644 (+145)

Reached my goal of 620 across the board. Next goal: Mortgage by 7/2021.
Message 5 of 20
Panda800
Regular Contributor

Re: Free TU Mortgage Score

This is good to know, thank you!



NFCU Cash Rewards $18,500
Penfed Gold $10,000
NFCU More Rewards Amex $6,500
Discover $1,800
Merrick DYL $1,400
BBVA Clear Points $1,000
NFCU CLOC $500
Message 6 of 20
sxa001
Established Contributor

Re: Free TU Mortgage Score

Since I plan to app with Better.com next month while rate shopping anyways or maybe the first week of December I decided to go ahead and do the SP.  No surprises, matched my TU on MyFico.  Thanks for sharing! 





Message 7 of 20
turktucker
New Member

Re: Free TU Mortgage Score

Thanks so much for this info @kberly69! TU is the one score I needed (for free until my 3B report update in 12 days) and I was just able to get it from better.com. Great info! 

Message 8 of 20
jrands
Contributor

Re: Free TU Mortgage Score

@kberly69Well, it seems like this hack for getting a free TU Mortgage Score is no more. I just checked Better's site and got my FICO 8 score instead of the mortgage score.


@kberly69 wrote:

I came across a post by @jrands that mentioned getting a TU 4 mortgage score with a soft pull from Better Mortgage. I tried it and the score they gave was the same as the one I got from MyFico. Of course I have some marketing emails to deal with but I think it was worth it. They spell out that there is no credit ding and it's been two days with nothing so it seems all is well on that front. 

I have not seen that mentioned before so though it was worth it's own post. 




Message 9 of 20
AllZero
Super Contributor

Re: Free TU Mortgage Score


@jrands wrote:

@kberly69Well, it seems like this hack for getting a free TU Mortgage Score is no more. I just checked Better's site and got my FICO 8 score instead of the mortgage score.


Thank you for sharing the information.

Message 10 of 20
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