The lender's statement, while confusing, is generally true. Your FICO score (actually there are 3) is typically going to be the closest thing to what your mortgage lender is seeing. You can find more information by visiting MyFICO.com. We also have free credit score offers.
If you need some guidance on what is considered a good credit score, please consult our recent featured article on this topic Risk, Not Law, Cause for Rising Credit Card Rate."
Have you shopped around much? ShopRate.com is a good place to shop for the best mortgage rates. Also, remember that fees/points are negotiable!
- I have some cards that have been charged off. I want to pay these cards and have them updated. Is there a way I can do this?
- I pulled my three credit scores and have a good rating with TransUnion and Equifax. Experian has put me below due to a mistake on my report. I want an American Express card. What should I do, and when can I reapply?
- I have 5 credit cards and am thinking of closing one redundant card. Will it affect my credit? And can I combine the credit on one card since it is the same type of card?












