![]() Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. All rights reserved.Īll FICO ® Score products made available on include a FICO ® Score 8, and may include additional FICO ® Score versions. Sometimes 100 points or more.Ĭopyright ©2001- Fair Isaac Corporation. Generally mortgage scores are much lower than that FAKO score. MyFICO can give you I think two out of three of the mortgage scores (I think they don't have the TU mortgage score) so you could order the Exp and EQ reports and see those mortgage scores.īe prepared. ![]() The only place you can get the mortgage scores is on myFICO by ordering the credit reports. There is absolutely no correlation between a Privacy Guard (FAKO) score and a mortgage FICO score. Of score will I be looking at? Can I get them above 660 before September? Of score will I be looking at? Can I get them above 660 before wrote: Paying all Revolvers off except FingerHut and I will be making a $500.00 payment on it. Opened Regency Finance - Motorcycle Loan never late always on time. Opened Wells Fargo Auto - Current never late or missed payment Opened CNAC Auto Loan - Paid off as agreed never late or missed payement Opened FingerHut - Reporting $1,357 Balance $2850 Creidt Line (Actual $978 Balance $2,850 Credit Line) Opened Credit One - Reporting $588 Balance $600 Credit Line (Actual $123 Balance $600 Credit Line) Opened Capital One - Reporting $90 Balance $600 Credit Line (Accurate) Opened Applied Bank - Reporting $290 Balance $300 Credit Line (Actual $50.00 Balance $500 Credit Line) Opened MRS BPO LLC - Paid in Full (Reporting Zero Balance) Opened Key Bridge - Paid in full (Shows Zero Balance) ![]() Opened Enhanced Recovery - Paid Settlement (reports zero balance) (Legally paid in full for less than full balance) Opened Afni - Paid in Full (Reports Zero Balance) Opened Credit Management LP - $1,417 - Paid in Full (still reports balance) Opened Fair Collections and Out - $3,201 - Settlement paid today $1,121 (still reports balance) I've recently made some Major headway on my report and just accepted a 35% settlement offer on my last unpaid account on the report I get from Privacy guard. Making a plan to try to improve you credit will help save you money.Does anyone have any feedback on Privacy Guard Scores compared to what a Mortgage company will pull? Bad credit means higher rates on just about everything related to borrowing money. There are five factors in determining your credit score:Ĭredit can affect everything from home loans, auto loans, rental agreements, insurance, social status, and even employment. Agencies like the Federal Bureau of Investigation, Federal Trade Commission, United States Postal Inspection Service, United States Secret Service, the Better Business Bureau, and more. Learn MoreĪ number of government and private organizations have information about various aspects of identity theft and fraud: how it can occur, what you can do about it, and how to guard your privacy. It is intended only as a convenience for the public and not a substitute for the text in the U.S. This is the Fair Credit Reporting Act (FRCA) as prepared by the Federal Trade Commission (FTC). You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction. If you question the accuracy or completeness of information in your report, you have the right to file a dispute with the consumer reporting company and the information provider. If a company denies your application, you have the right to the name and address of that credit bureau. Each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – is required to provide you with a free copy of your credit report, at your request, once every 12 months. You have the right to receive a copy of your credit report.
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