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how to determine what my credit score is?

which score do they choose out of the 3? or do they use a vantage score?

  • January 26 2014 - US
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Answers (3)

    My colleagues are correct, the middle score from the 3 bureaus (Equifax, Experian, and TransUnion) will be used as your credit score.  Also, you should be aware that a credit score for a mortgage is not the same as the score they would use to issue you a credit card or even an automobile.  The credit that is used for a mortgage weights certain factors differently than if you were applying for a credit card.  Therefore, it may be wise to actually speak with a lender and have them pull your score rather than simply pulling it yourself because it will not be the same.     
  • January 27 2014
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They will look at all three of your FICO scores when they pull your credit. The one specific score they will use during the entire process will be the median score out of your three FICO scores. If you are curious about your scores I recommend that you have them pulled. Each person can pull there scores once a year without a charge. The best thing for you to do is to speak with a lender to see if you can get started on financing a new home. If you have any further questions or if you would like a loan, feel free to contact me.

Good Luck!
  • January 27 2014
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Median of the 3. Not Vantage.
  • January 26 2014
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