Quick Facts About Mortgage Credit Scores

Banks use older FICO models for mortgages
They look at scores from all 3 bureaus
They use the middle score, not the average
Different from regular credit card scores

The Exact Models Used

Experian: FICO 02
TransUnion: FICO 04
Equifax: FICO Beacon 5 (same as FICO V5)

How They Pick Your Score

Let's say your scores are:

TransUnion: 725
Experian: 756
Equifax: 689

They'll use 725 (the middle score, not the highest or lowest)

Where to Check Your Mortgage Scores

MyFICO

Most accurate source
Shows all 3 bureaus
Pricing:
- Basic: $19.95/month (just Experian)
- Advanced: $29.95/month (all 3 bureaus, updated quarterly)
- Premier: $39.95/month (all 3 bureaus, monthly updates)

Experian

Shows only Experian mortgage score
$24.99/month (7-day free trial)
Daily Experian updates
Other bureaus update monthly

Extra Credit

Shows all 3 bureaus
$24.99/month (7-day free trial)
Updates every 30 days
Pretty accurate scores

Quick FAQs

Can you get free mortgage scores? Extra Credit offers a 30-day trial
Making two payments monthly won't build credit faster
Yes, you can apply for credit cards right after closing your mortgage

Remember: Regular credit scores you see elsewhere often aren't the same as what mortgage lenders use. These older FICO models are specifically for mortgages.

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