@hunbreaid wrote:
My wife and I have been trying to get a mortgage done for months. We have subscribed to numerous sites and get different scores from each one. The Equifax site is 611. Identity Guard is 650 and myfico is 694. In order for our bank to do a construction to perm our scorehas to be a 660. I am not sure which score the community bank uses, the risk score or the fico score. She sent me an email this morning after I submitted the app that read "
Ok, one more question….what attorney handled your deeds to the land you will build on? I know it makes it easier to work with someone that has already completed some title work on the property rather than starting from scratch.
I am not sure if that's a good thing or a bad thing. Any insight anyone could give would be great. I have no finger nails left.
Hello, and welcome to the FICO Forums.
With regard to the credit score, the lender almost certainly uses FICO scores, which would be the same score that you get from this website. The credit scores offered by the other companies are not FICO scores, and are not used in lending decisions. So you can ignore that scores that you got from Equifax (it's probably their proprietary "Equifax Credit Score") and Identity Guard.
