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Considering Debt Consolidation loan

Established Contributor

Re: Considering Debt Consolidation loan

Just checked a 3B and Fico 8 scores are EX 700, TU 704 and EQ 694.  Quite a bit better than they were four months ago when I started this process. I only have acces to my EX FICO 2 for mortgage scores, that is 713.  Scores are actually irrelevant for the mortgage loan type I will be applying for on the 15th, but anything that makes it easier is worthwhile.

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000
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Valued Contributor

Re: Considering Debt Consolidation loan

When a preapproval is performed, the bank performs a hard inquiry--but it's free. If you don't have more than a couple of inquiries, the scores would hardly be affected.


You will know your middle score once this is done.



FICO 8: EQ 810; TU 816; EX 822 as of 7/5/2022
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