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I'm very much a MyFICO newby and MyFICO fan, but unless MyFICO starts letting you pick the exact scoring model (I know this will never happen), I'm just going to stick to the free and cheap FAKOs.
I pulled my MyFICO and my USAA Plus FAKO this morning prior to applying for a VA Loan mortgage today and my PLUS scores were much closer to my lender pull...
MyFICO - EX 707, EQ 681, TU 671
Equifax Mortgage Solutions - EX 634, EQ 637, TU 675
USAA - EX 654, EQ 645, TU 667
Does anyone know a mortgage lender that pulls the same scoring models as MyFICO???
@IvDogg wrote:I'm very much a MyFICO newby and MyFICO fan, but unless MyFICO starts letting you pick the exact scoring model (I know this will never happen), I'm just going to stick to the free and cheap FAKOs.
I pulled my MyFICO and my USAA Plus FAKO this morning prior to applying for a VA Loan mortgage today and my PLUS scores were much closer to my lender pull...
MyFICO - EX 707, EQ 681, TU 671
Equifax Mortgage Solutions - EX 634, EQ 637, TU 675
USAA - EX 654, EQ 645, TU 667
Does anyone know a mortgage lender that pulls the same scoring models as MyFICO???
Mortgage lenders are pretty much standardized on the FICO04 scoring model, which unfortunately is no longer offered here. Equifax website sells a FICO score which will match mortgage lenders, but you have to dig to find, it's not the same as the "Equifax Credit Score".