California E&S Insurance

Here is where you can get the same credit scores that mortgage lenders use - myFICO.com A lot of folks understandably want to check their credit scores before applying for a mortgage, but most of the scores you get online *aren’t* the ones that mortgage lenders actually use. When you apply for a mortgage, lenders almost always pull these three specific FICO score versions: * **Equifax/FICO Score 5 (Classic V5 FACTA)** * **TransUnion/FICO Score 4 (Classic 04)** * **Experian/FICO Score 2 (Fair Isaac Version 2)** These are *older* versions of FICO scores and are very different from the more common FICO 8, FICO 9, or even VantageScores that you get from most free or paid services like Credit Karma, Experian’s app, or your credit card issuer’s dashboard. **The only consumer-accessible place to get your actual mortgage scores is** [**myFICO.com**](https://www.myfico.com/products/fico-score-plans). You’ll want to choose their **Advanced** plan for $29.95/month. It gives you all 28 versions of your FICO scores for all 3 credit bureaus, including the ones used for mortgage lending. You can cancel the subscription before the end of the first month if you only want a one-time look. For full transparency: I’ve been part of the myFICO forums for nearly 20 years and have answered thousands of mortgage-related questions there. I just believe in helping people understand this stuff, because mortgage financing can get complicated. If you're serious about getting a home loan soon and are concerned what your credit scores are then worth checking the *actual* versions lenders will see. Hope this helps someone out there and let me know if you have any questions.

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