Best way to find your FICO score?

[soccerballtux]

The free credit reports you can get through equifax et all do not list your FICO score.

 

[Tooncesthedrivingcat]

myfico.com

Equifax.com

 

[Nik]

http://www.truecredit.com

 

[ElFenix]

"et al."

it's short for "et alii"

 

[manlymatt83]

Originally posted by: Nik
http://www.truecredit.com

uh no

EDIT:

http://www.buglerroller.com/cr...correct_by_a_long.html

 

[MikeyIs4Dcats]

the ONLY place to get a real FICO is myfico.com

 

[manlymatt83]

Originally posted by: MikeyIs4Dcats
the ONLY place to get a real FICO is myfico.com

and on equifax.com

 

[waffleironhead]

Just pass me your S.S. number and I'll let you know in a bit. Absolutely no effort is required on your part.

 

[soccerballtux]

Originally posted by: waffleironhead
Just pass me your S.S. number and I'll let you know in a bit. Absolutely no effort is required on your part.

ok sounds good-- 352211433

 

[Nik]

Originally posted by: manlymatt83

Originally posted by: Nik
http://www.truecredit.com

uh no

EDIT:

http://www.buglerroller.com/cr...correct_by_a_long.html

Edit: bah, you suck.

 

[alkemyst]

keep in mind your 'FICO' is not what the mortgage companies use.

 

[da loser]

Originally posted by: alkemyst
keep in mind your 'FICO' is not what the mortgage companies use.

then what do they use?

 

[sjwaste]

Originally posted by: da loser

Originally posted by: alkemyst
keep in mind your 'FICO' is not what the mortgage companies use.

then what do they use?

Whatever model that company has designed. Different lenders might weight different factors differently, with respect to the FICO formula.

They're still buying your credit data from the bureaus, they're just tweaking the FICO model, or buying a different one from Fair Isaac. I'm not sure if you can get one of those scores from FI, since they're probably proprietary to the lender(s) that lease it.

If your FICO stinks, its not like you'll have a good whatever mortgage score. Similarly, if your FICO is good, your other scores will likely be fine.

Some lenders also DO use FICO. Mine did, US Bank underwritten by a local broker and sold to them, as did Wachovia when we quoted for refinance. They might've had others that they used too, but one of their definite criteria was a certain FICO baseline.

 

[Don Vito Corleone]

My mortgage lender used my FICO, or at least they checked it while I was talking to them during the process of approving my mortgage and rate. I just checked mine the other day and it still seems to be just above 800, where it was when I bought my house a few years ago.