OK, sorry, I see now--got a bit tangled up! Don't worry about what Identity Guard says about your TU (or any other score.) Your lender isn't going to be using that one. Go ahead and erase them from your brain. They're just causing confusion. You might call your lender and ask (to confirm) if the 621 - 659 - 656 were FICO's. (Remember, the lender might use the term "Beacon scores."
If your EQ FICO is now 656 (presumably up from 621), your other scores might well have come up as well. You can expect your lender to pull all three again when the time comes. If I were you, I would do this:
--As above, call and confirm that those three scores were FICO as of 8-2-07.
--Go ahead and pull your EX and TU scores from this site to add to the 10-19 EQ score. Now you can see if there has been enough improvement to get you closer to where you want to be for a mortgage.
--Start doing your homework! (as below)
On another site, you mentioned that you have $1800 (I think it was) spread over three cards. If you will read the Credit Scoring 101 thread, listed at the top of this forum, you will learn how quickly you can improve your scores by letting your cards report the ideal 1 - 9% util (utilization = balance posted divided by credit limit.) Since I don't know what your credit limits are, I have no idea what that $1800 represents. But say that Card A has a $5K CL, Card B has a $2.5 CL, and Card C has a $500 limit. If you can get Card A to report a balance of $450 or less, Card B to report a balance of $225 or less, AND Card C to report a balance of $45 or less, your scores ought to show a real jump. Even if you can't get them all down right away, they need to all be under 50% of their respective CL's.
But you need to know when your CCC's report to the CRA's, what figure they report when they do, and how to make the right figure report, and then pay it off to avoid finance charges. Plus you can use your Identity Guard reports --the reports, not the scores!!! --to see if there is something else you can quickly fix or improve before you go in and ask for that loan. I can't emphasize enough, you MUST do some reading here. Other people can't do it for you.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007