Score disparity

[rebuilding]

My experian score 8 is 730. But my mortgage score shows 607.  What gives?  Why would it be so much lower?  Anything special I can do to get it up higher ? 

[yodi2007]

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@rebuilding wrote:

My experian score 8 is 730. But my mortgage score shows 607.  What gives?  Why would it be so much lower?  Anything special I can do to get it up higher ? 

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I am in the same boat as you. You need to get your DTI (debt-to income) ratio lower atleast 30%, open no new credit, and if you have any collections on your credit report, that will affect your mortgage scores. 

[VALoanMaster]

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@rebuilding wrote:

My experian score 8 is 730. But my mortgage score shows 607.  What gives?  Why would it be so much lower?  Anything special I can do to get it up higher ? 

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Your best bet is to have a mortgage lender pull your credit. The lender can run a credit simulator and give you a detailed plan on how to raise your scores.

[pizzadude]

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@rebuilding wrote:

My experian score 8 is 730. But my mortgage score shows 607.  What gives?  Why would it be so much lower?  Anything special I can do to get it up higher ? 

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What derogatory items are showing on your reports ?  There are significant differences in how FICO 8 views some items like collections vs the older FICO score models used by mortgage creditors.