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fico score for mortgages

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fico score for mortgages

Hey everyone I just wanted to know if you guys no if the mortgage lenders typically go off of the fico score that we intially see or the older version that is shows under the 3 scores? 

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Super Contributor

Re: fico score for mortgages

The FICO score that you typically see is FICO 8.  This is provided by many credit cards and a few free web sites (creditscore.com, Discover Scorecard, etc.).  It is also the score that is frequently updated for people who use the myFICO Ultimate package.

 

The FICO that your mortgage lenders will use is a much older model.  The only good way to get that is by signing up for the myFICO Ultimate product.  Personally I would wait until your FICO 8 scores and reports are optimized before laying out the money for the myFICO Ultimate.

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Super Contributor

Re: fico score for mortgages

Once you complete CGID's advise. This is what your 3B report will look like. Then you can click on each section to see all three CRA's and their scores. GL!

fico m.PNG





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
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