Check Your Credit Scores Now
It is a smart to review your credit scores before you apply for a mortgage loan. However, the scores you pull and those your lender pulls may differ by a wide margin.
Most mortgage lenders use credit scores known as "FICO Scores". FICO scores are based on a formula owned by the Fair Isaac Corp. Most individuals pull their credit scores from the 3 credit bureaus, who have a score known as a “VantageScore". Whereas your FICO score ranges from 300 to 850, VantageScore ranges from 501 to 990. Therefore, your VantageScore will typically always be higher than your true FICO score.
However, people do like the VantageScore because gives some info about what their credit scores are and they typically are FREE from places like Credit Sesame, FreeCreditReport.com and Credit Karma. Consider CLICKING BELOW to signup with all three (3) of these services. Then, complete our loan application and upload any or all of the credit reports to let us determine what must be done to pursue your home loan.
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