jhfghg wrote: ................EFX 607 , TRU 625 , XPN 588 which I am guessing since it was our bank lender that these are our FICO scores? He said our middle score had to be 620 minimum,obviously the higher the better,but that was the least they could work with.
Based on that I did the whole join the credit places, spending lots of money until finally realizing their scores are pretty much worthless,at the same time I joined myFico without realizing this is where I needed to concentrate.
This morning I pulled my FICO scores from here and came up with: TransUnion 622 and Equifax as 626.
So my TU score dropped and EQ raised,this makes no sense to me. And given all the other information I have is there a way to estimate my Experian score with out having my lender do another check which will in turn lower my score even more?
My 3 credit report through Equifax is EQ 649,TU 651,EXP 668...but my credit score through Experian is 603. huh?
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Line1 - The first group of scores are the specific scores from the three CRAs you need to qualify for a mortgage:
EFX=EQ=Equifax, score should be EQ FICO Beacon v5.0
TRU=TU=Transunion, score should be TU FICO Classic 04
XPN=EX=Experian, score should be EX FICO v2
Line2 - Congratulations on quickly realizing most sites will sell you some version of a completely worthless FAKO score.
Line3 - TU from here is a FICO, but one version previous to the one the mortgage app would have pulled: TU FICO Classic 98. The EQ from here is exactly the same version. In order to explain the different score, you should compare the info on the reports.
Line4 - If the information in the reports is the same as the other two, the scores will be similar. If you are looking for exact scores, you won't be happy.
Line5 - The information on the reports that you pulled from the sources is valid but the scores are consumer nonsense not used by lenders.
whoooooo!