What a waist of money

[Anonymous]

Yes today I found out that thses scores!!! On here might not be real scores.... I applied for a loan today for some reason my scores on My fico are (tu 715) (eq 710 ) ex 701 and the loan person pull the computer around and showed me all my real fico scores..... Eq 698 ... Ex 645... Tu 700

[LShawn08]

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@Anonymous wrote:
Yes today I found out that thses scores!!! On here might not be real scores.... I applied for a loan today for some reason my scores on My fico are (tu 715) (eq 710 ) ex 701 and the loan person pull the computer around and showed me all my real fico scores..... Eq 698 ... Ex 645... Tu 700

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I'll be the bearer of bad news. The scores that your loan officer pulls won't always be the same exact scores from here. They only represent a possible score that could be pulled depending on the industry you might be requesting a score for. Did you pull the new 3B Ultimate with 19 score categories or 1B Essentials with 6 score categories ? I believe the 3B and 1B cover more industry scores than original. Then that doesn't even account for if all your scores were updated at the time your score got pulled. 

Sucks monkey stuff I'm sure to go through all the hair pulling just to have that happen when you go to your loan officer.

[CH-7-Mission-Accomplished]

I'm sorry you have lower FICO mortgage scores.   Across the three credit bureaus, there is something like 40 different FICO scores possible.  For most credit card lending the FICO 08 Classic you see is most often used.  But mortgages use the FICO 04 version (the incarnation before FICO 08).  Each of these 40+ scores will be different.  It takes a lot of time on these boards and a lot of reading to understand the different versions, and they all have their quirks, but one thing holds true across them:  They like to see active use of different types of credit, they like to see low revolving balances (1% to 10%), and it goes without saying they like ontime payments and no collections or public records.

[Anonymous]

It's OK I still got approve!!!! Thank god

[Anonymous]

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@Anonymous wrote:
Yes today I found out that thses scores!!! On here might not be real scores.... I applied for a loan today for some reason my scores on My fico are (tu 715) (eq 710 ) ex 701 and the loan person pull the computer around and showed me all my real fico scores..... Eq 698 ... Ex 645... Tu 700

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FICO itself has nearly 50 different scores used for different purposes..  The ones used for mortgages are FICO 4(TU)/Beacon 5(EQ)/FICO 2(EX). The scores shown on the MyFICO dashboard (the colored circles) are FICO 8 scores. HOWEVER - if you click on "Scores" at the top of the page, and select one of the bureaus, then scroll way down the page, you will see a bunch of other scores, including your mortgage scores.

[ezdriver]

That middle score of 645 is very important. Try not to do much creditwise until you close on your new home. The lender will pull yur credit report again if closing happens close to or more than 90 days. Be prepared for that.