Hi, welcome to the forums!
FICO scores are created from the FICO scoring formulas. The credit bureaus, with the exception of Equifax (EQ), sell you FAKO's --their own home-grown credit scores. (EQ sells you your FICO, if you get it directly from them, not from the others.) IMO, they are making a pretty penny off of consumers who don't know about this.
Check your EQ score to see if it says "FICO score" (not "credit score") on it somewhere. If it does, buy the other two here on myFICO. If not, buy it here too.
Be aware that FICO scores are expensive, so be sure to first google fico discount coupon code, and find a code that you can enter when you buy your FICO's. Also, they do NOT update, unless you sign up for Equifax Scorewatch, so save your FICO score reports to your disk and print them out as well.
Many of us have learned from others here how to improve our credit reports and therefore our scores. I hope that you'll be able to get some help here so that you'll be able to get the mortgage that you want.
* 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
