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fico score

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fico score

I know mortgage company use the middle credit score to calculate payment, approval ect, but do they all use the fico score of various company simulated by myfico.com or do they get the score directly from those company like experien plus score, or transunion.
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Frequent Contributor

Re: fico score

They DO not use TU or EX but they use another company that uses actual FICO scores that come from the same formula that Equifax uses.
MYFICO is the only one that will give you the same exact scores that mortgage companies get and use.
 
TYhis has been my experience.
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Community Leader
Super Contributor

Re: fico score

Like zman said, they don't get the scores directly from the bureaus.. they use a credit vendor which pulls the data from the credit bureaus and compiles it into tri-merge credit report.  And like zman said, the scores are very close, if not identical, to what you would pull here at myFICO.com
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