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@Anonymous wrote:
We have been a couple months trying to get a perm to construction loan. All the bank can tell us is they’re using the Equifax credit score. Assuming it’s the Equifax mortgage score, I call him and say “okay my score is where you needed it to be” he calls me back and gives me a different score. I have asked numerous times which Equifax score they use and they’re not sure I just get “Equifax” every. Single. Time. So how am I supposed to monitor my score without knowing which one... none of my myFICO Equifax scores match his when he pulls them. I am just so discouraged and bummed out. Thankful for all this forum has taught me.
99% of lenders use mortgage scores... being tri-merge and they take the middle score of equifax/experian/tu mortgage score.
With regards to what version MOST use it is the following Experian 2, TU 04 and Eq 05 mortgage scorew
I concur, most of us lenders use this model:
Equifax Score: 5
Trans Union Score: 4
Experian Score: 2