Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Mortgage
Profile Image

Question By
dynomitepat55

3 Contributions
0 People Helped
What score is it, that they use for getting a mortgage?
The score I see on Transunion was 647, but yet the Credit Union said it was 599 when I applied for mortgage. Is the 599 the fico score? How do I see my Fico score? And do you go about raising it the same way as the other credit scores? Why in the heck they have 2 different scores......its deceiving.....Thank You for any information in advance.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
118 Contributions
219 People Helped
Most Helpful Response

Helpful to 1 out of 2 people

You can ask the Credit Union. You have the right to know who did an inquiry to any of your credit reports. Different companies have different ways to calculate the score even when they use the same credit report. You won't have FICO score unless you get it directly from FICO. Even the big 3 now have their own score in addition to their FICO score, which might have tweak from the original version. Their is one thing in common for all scores. They all are based on a credit report. So I am repeating myself here, as I answered to some other questions. If you efficiently manage your loans, your credit report will be better every month and your credit score will follow to raise. The score can fluctuate, but it will raise eventually.

3 Contributions
0 People Helped

Its a different score than what we see

My score I see is 647, my mortgage scores were 599, 609, 601.  Im trying to find out how to see as I improve my score, the Mortgage Scores. Anyone Know How or what it is called?  Thank YOU.

3 Contributions
0 People Helped

Mortgage score is diffferent.........

Thanks, but I want to know  what the MORTGAGE score comes from. It is around 40 points lower than the score we see on the credit reports. 

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.