Credit score accuracy

[Ravi860]

Which one to trust? Bofa lo emo FICO score and credit karma vadu transunion and equifax di chupistunnadu. There is lot of difference in scores between these. Which one is accurate in general? 

[naughty15]

Equifax 

[csrcsr]

10 minutes ago, Ravi860 said:

Which one to trust? Bofa lo emo FICO score and credit karma vadu transunion and equifax di chupistunnadu. There is lot of difference in scores between these. Which one is accurate in general? 

Mortgage aithe they will take middle of the three,  credit karma will benof vantage you should be interested in fico for mortgage fico2

Equifax wxperian , transition middle score is for mortgage 

[veerigadu]

Average of 3 susuko…If there is more than 10-20 point difference between them, Call and find out the reasons for lower score. Sometimes they fix the errors and correct your score.  It’s totally worth it. 

[akkum_bakkum]

6 minutes ago, Ravi860 said:

Which one to trust? Bofa lo emo FICO score and credit karma vadu transunion and equifax di chupistunnadu. There is lot of difference in scores between these. Which one is accurate in general? 

FICO scores are usually higher, be it BofA or discover.. If you have chase or capital one...their credit trackers r closer to actual scores of all 3 bureaus. 

[Ravi860]

1 minute ago, csrcsr said:

Mortgage aithe they will take middle of the three,  credit karma will benof vantage you should be interested in fico for mortgage fico2

FICO score consider chesatara bro mortgage loans ki?

[Ravi860]

2 minutes ago, veerigadu said:

Average of 3 susuko…If there is more than 10 point difference between them. Call and find out the reasons for lower score. Sometimes they fix the errors and correct your score.  It’s totally worth it. 

Almost 60 undi bro.. fuse lu egirayi enti e difference ani FICO vs others 

[csrcsr]

3 minutes ago, Ravi860 said:

FICO score consider chesatara bro mortgage loans ki?

Yes in fico there are three models if I am correct fico2 middle fico from experian, equifax transunion

[Ravi860]

3 minutes ago, csrcsr said:

Yes in fico there are three models if I am correct fico2 middle fico from experian, equifax transunion

Generic ga undi kani FICO ani.. e FICO2 ekkada chudali since I am interested in mortgage related 

[csrcsr]

10 minutes ago, Ravi860 said:

Generic ga undi kani FICO ani.. e FICO2 ekkada chudali since I am interested in mortgage related 

I think expierian if you try a trial and cancel then will have it  it will give you fico2 or take three agency reports of fico and take the middle score

if you have no latepayments (60 day lates to credit card), and if your credit usage is belo 8 % of credit line you hsould be good afaik idi click cheyi not sure they will charge they used to have 7 day trail and cancel it

onece you get all 3 fico take the middle there should be fico2 too

 

 Credit karma waste they use vantage3.0

 

 

 

 

 

The most commonly used FICO Score in the mortgage-lending industry is the FICO Score 5. According to FICO, the majority of lenders pull credit histories from all three credit reporting agencies as they evaluate mortgage applications. Mortgage lenders may also use FICO Score 2 or FICO Score 4 in their decisions as well.

[Barney_Stinson]

is vantage score 3.0 a standard of consideration ?

[Ravi860]

19 minutes ago, csrcsr said:

I think expierian if you try a trial and cancel then will have it  it will give you fico2 or take three agency reports of fico and take the middle score

if you have no latepayments (60 day lates to credit card), and if your credit usage is belo 8 % of credit line you hsould be good afaik idi click cheyi not sure they will charge they used to have 7 day trail and cancel it

onece you get all 3 fico take the middle there should be fico2 too

 

 Credit karma waste they use vantage3.0

 

 

 

 

 

The most commonly used FICO Score in the mortgage-lending industry is the FICO Score 5. According to FICO, the majority of lenders pull credit histories from all three credit reporting agencies as they evaluate mortgage applications. Mortgage lenders may also use FICO Score 2 or FICO Score 4 in their decisions as well.

Credit usage below 8%?

[csrcsr]

8 minutes ago, Barney_Stinson said:

is vantage score 3.0 a standard of consideration ?

not for mortgage bro somw use for creditr card and auto

[HugoStrange]

1 hour ago, Ravi860 said:

Almost 60 undi bro.. fuse lu egirayi enti e difference ani FICO vs others 

Credit karma vadivi modeled untundi, they don’t pull ur score weekly. Eppudo oka sari chesi Dani meda guess work untundi.