ThePeacock Posted May 25, 2005 Report Share Posted May 25, 2005 I was denied for Juniper M/C so I got my free credit report by transunion sourced though annualcreditreport.transunion.com. I paid the extra $5.95 for the score. It said 565. My Fico shows 646! I thought MyFico was a FICO...... Here I thought I was doing so good. Link to comment Share on other sites More sharing options...
breathing_easier Posted May 25, 2005 Report Share Posted May 25, 2005 myfico.com does give you your "true" FICO score. TU provided you with their score using their scoring model. You'll notice that the score TU provided and the FAKO score that I'm presuming you obtained from MCK (or an equivalent) are very similar. Link to comment Share on other sites More sharing options...
ThePeacock Posted May 25, 2005 Author Report Share Posted May 25, 2005 Well, they are much much much closer, like 20 points.Breathing_Easier, thanks for confirming. Not to discredit you, but can anyone else "second that emotion" ? Link to comment Share on other sites More sharing options...
breathing_easier Posted May 25, 2005 Report Share Posted May 25, 2005 Well, they are much much much closer, like 20 points.Not understanding what you're saying here Just curious...your 5/23 EQ FICO score is not really 354, is it? Link to comment Share on other sites More sharing options...
lyrech Posted May 25, 2005 Report Share Posted May 25, 2005 If you do a search, you'll find all kinds of threads confirming this. The only place to get a FICO score is from FICO. Link to comment Share on other sites More sharing options...
ThePeacock Posted May 25, 2005 Author Report Share Posted May 25, 2005 Well, they are much much much closer, like 20 points.Not understanding what you're saying here The TU score and MCK socres are much closer to each other. About 20 pts different.lyrech, breathing_easier: Thank you so much. You have put my mind at ease. Link to comment Share on other sites More sharing options...
breathing_easier Posted May 25, 2005 Report Share Posted May 25, 2005 The TU score and MCK socres are much closer to each other. About 20 pts different.Ah, I see...it was the 4/20 TU FAKO score that was 566. As I mentioned before, keep in mind that if you are going for something like a mortgage, mortgage lenders are going to be looking at a score different from even your FICO score. Auto lenders look at other things. Enough to give you a headache, isn't it? Link to comment Share on other sites More sharing options...
ThePeacock Posted May 25, 2005 Author Report Share Posted May 25, 2005 The TU score and MCK socres are much closer to each other. About 20 pts different.Ah, I see...it was the 4/20 TU FAKO score that was 566. As I mentioned before, keep in mind that if you are going for something like a mortgage, mortgage lenders are going to be looking at a score different from even your FICO score. Auto lenders look at other things. Enough to give you a headache, isn't it?Headache is just the begining....nervous break-down is more like it.I hope mortgage lenders are pull a score that is somewhat close to FICO. Link to comment Share on other sites More sharing options...
breathing_easier Posted May 25, 2005 Report Share Posted May 25, 2005 I can't say exactly how close the score mortgage lenders see mimics FICO. However, I do know that previous mortgage accounts are weighted more heavily in the score they see. An auto lender is looking at a score more heavily weighted as to previous auto loan history. Someone over in the Mortgage forum might be able to answer a little better. Don't worry, though, with a 645 FICO you should be fine for a mortgage. Link to comment Share on other sites More sharing options...
ThePeacock Posted May 25, 2005 Author Report Share Posted May 25, 2005 Yeah, well first time buyer......no previous mortgage! I posted over there, we'll see what happens. Link to comment Share on other sites More sharing options...
breathing_easier Posted May 25, 2005 Report Share Posted May 25, 2005 Take a deep breath...it'll be okay! You didn't answer my question, though, about that 345 EQ FICO listed in your signature block. Link to comment Share on other sites More sharing options...
ThePeacock Posted May 25, 2005 Author Report Share Posted May 25, 2005 Doh! Major typo! Should be a 6. Thanks. I'll fix it. Link to comment Share on other sites More sharing options...
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