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Talked to a loan officer who said my 750 score was trash for a mortgage
last week I sat down with a loan officer at a local bank here in Austin. She told me my 750 FICO was good but not great for the kind of house I wanted. She said they look at the middle score from all three bureaus and if one is low it drags everything down. I never knew they averaged them like that. Has anyone else been blindsided by how lenders actually use your score vs what you see on Credit Karma?
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bettyhunt27d ago
Respectfully I see it totally different. A 750 is solid and that loan officer sounds like she was trying to gatekeep the best rates or sell you on something else. Credit Karma can be off a bit but not by 40 points usually.
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claire_fisher4128d ago
Found that out the hard way when my middle score came in 40 points lower than what Credit Karma showed.
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