Want to signup to monitor fico scores for mortgage

Had my current mortgage broker pull my scores in April i range from 593-603, I have since been working on credit got two collections deleted and didnt have any creditcards ..I have secured card thats been reporting 2 months now of course i dont want another hard pull so i want to signup and monitor my scores here,but are they giving me myfico8 scores? I know my lender uses Fico classis 04 for trans..ver2 for EXP..and fico v5 for Equa so my question is will i be able to monitor these particular scores with a monthly signup these are the only scores i really care about right nowThanks

The only way to see your mortgage scores is to buy the 3B report. I did it three times before apping for mortgage! But before my lender did it I kept him in the loop with everything I was doing to get my credit to where it needed. I had four baddies taken off which included a super old paid tax lien. I also opened up credit cards beginning last December. Keep reading the forums to help you guide you how to maximize your scoring with the new trade lines.

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Advice on what plan to signup for MYFICO score for mortgage

I had mortgage lender pull scores in April im around 600 on all 3 reports need about 40 pts ive sinve done some work...got two pfd on collections opened a CC, reports the last two months i know..so my question is i want to monitor my ficoscores but i need the same scores my mortgage lender used..fico ver 2 for EXP.Fico classic 4 for Transand Fico classic v5 for Equ...is there any plan myfico offers that i can monitor these specific fico scores monthly? Not a one time score when i sign up i need them to update me monthly so i know when im good to qualify and do a preapproval with broker....sorry if this is confusion it is to me, i thought was just one credit score im learning so much about credit these last few monthsThanks

kinzey wrote:
ive sinve done some work...got two pfd on collections opened a CCDid you consult with your mortgage lender before doing this? Standard advice is no new credit 6 months to 1 year prior to a mortgage but what your lender is specifically looking for is what really matters. kinzey wrote:
is there any plan myfico offers that i can monitor these specific fico scores monthly?kinzey wrote:
i thought was just one credit score im learning so much about credit these last few monthsDon't overlook the Understanding FICO Scoring subforum and its stickies as they address both of these. http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-versions-and-variations/td-p/1197617These additional scores are included when buying "3-Report View" from myFICO, or can be viewed free once yearly when buying monthly monitoring service (details here).

Raising Score for Mortgage Pre Approval

Hi, not sure if I posted this under the right forum but here goes....I tried to apply for a pre approval for a mortgage. Looks like I have been monitoring on myfico the wrong version of my scores the lender would use, I was suprised at how many points lower they were. (since then Ive figured out how to see the additional versions on here to see which scores the mortgage lenders use.) Anyway back to my question...it looks like my median score is a 664 my husbands is possibly 654-665? Not sure, Loan officer will not disclose that to me. HOWEVER my question is how can I increase my credit score quickly? In about 30 days? Pay credit cards down to under the 50% line? if I do this next week they should all hit my report again by the end of the month. I just wanted to see if anyone else did this and if it worked? The loan officer said thats probably what was hurting our scores was the ratio of usage on a few of my cards....Thanks!

cg02544 wrote:
Bulldogmom, what type of mortgage loan are you applying for? 680 minimum score is higher than most lenders minimum scores if you are looking for the run of the mill conforming non-jumbo loan.its a 100% first time homebuyers loan offered through a credit union. theres no PMI requirement, however their credit score requirements are a little strict compared to other loans because the mortgage stays with them & isnt sold supposedly so they are taking a risk with you. its 100% financing though no down payment BUT you have a higher interest rate (i guess thats where they make up for the 100% financing?) So my median has to be at least a 680. My scores are 637, 664, 665. so right now my median is 664. Still 16 points away, however my husband and I have a couple cards where the usage is higher so im going to pay that down to get them to 45% usuage verses the 90%, 80% & 70% they are at right now

Optimizating score for mortgage?

Hello. If someone has $26000 in available credit limits on Transunion and $37,500 on Equifax and Experian... What would be the optimal amount of credit card debt to report to optimize credit score but also keeping in mind debt to income ratio for a mortgage? Thanks!

One card reporting at 1-9% will give you the biggest boost in regards to scoring. That will also keep your debt low for DTI purposes.

Asked Chase How I See My FICO Score With Slate Card.....

an FYI for those with Slate already. I was planning to close mine out after the BT period at 0% ends since it will have served its purpose and will go towards resetting the clock for hte offer in the future if I need it..... Thank you for contacting Chase about the free monthly FICO
Score for Slate card.
Upon review, I see that you have an option to change your
current Chase Slate account to the new Chase Slate with
Credit Score Visa Non-Signature Card.
Your account number will not change, so you won't need to
make any changes with merchants where you have automatic
bill payments set up. Please know, however, that the
benefits and terms of your account are subject to change.
If these changes occur we will let you know.
Your Annual Percentage Rate (APR) will not change.
Please review the following information before we process
your request.
- All enrolled features on account will be retained.
- Any promotional balances attached to the old account
will transfer to your new account based on terms of the
original promotion.
- If you have previously been excluded from receiving
solicitations, you will continue to be excluded going
forward.
- Your FICO Credit Score is for your educational purposes
and based on data from Experian. It may be different from
other credit scores used by Chase and other lenders in
making credit decisions. This information is available
online to active, primary cardmembers only at Chase.com
provided Experian has sufficient credit history in a
credit file for FICO to generate a score.
- If any of the terms of the account have changed, you
will receive a letter in the mail explaining the changes
and your right to reject them.
- The new product doesn't have Blink Capability. If the
change is completed, you won't be able to use the new card
for Blink transactions.
- Please note that your expiration date and signature
panel code will change. If you have automatic charges
billed to this account, you will want to inform those
merchants of the new expiration date once you receive your
new cards.
Once the account is changed and to view the most up to
date information, you can log into chase.com and access
your Chase Slate Credit Dashboard post April 2015. Your
dashboard is free. It will allow you to view your monthly
FICO score, reasons behind your score, a summary of your
credit report information and helpful tips to manage your
credit health. The information provided is based on data
from Experian.
If you wish to continue with this request, please reply
using the Secure Message Center. We're not able to process
your request unless we receive your confirmation.
We look forward to hearing from you.
If you have any further questions, please reply using the
Secure Message Center.
Sincerely,

Irish80 wrote:
Monoglot wrote:
signaturecardmember wrote:
an FYI for those with Slate already. I was planning to close mine out after the BT period at 0% ends since it will have served its purpose and will go towards resetting the clock for hte offer in the future if I need it..... Are you saying you can use the slate offer 0% offer again after you close it for a period of time...? Monoglot, this a 4 month old thread. It's very possible that the OP isn't monitoring it any longerAww thanks for pointing this out. Would you happen to know if offers reset if you app again?

Now AT&T Universal Card offers Free FICO Score!!!

I got an email from Citi. Now they offer Free FICO® score for AT&T Universal Card. Ron.

core wrote:
Notice how the most recent month in the chart is June, but it's now practically August. Yep, that's just about how Citi's free scores work. At least they're honest. BTW didn't even know this card was still alive. This one was my very first default back in '94. Back when you could keep switching long distance companies twice a week and collect $50 cash bonus each time. Some things never change....You took the words right out of my mouth. I was thinking the same thing. That was my first credit card and it was the one I defaulted on sometime back in the mid or late 90s.

Who do the majority of you use to monitor your 3 credit scores? I am talking about a real FICO score

I am so confused about all of the monitoring services out there, I feel like all of it is a scam. Experian uses a different score than anyone else, Equifax and Transunion use a different scoring system. i was going to go with MYfico howvever online reviews of this company being hard to cancel , locking you into a nonrefundale contract etc; I have no idea who is a legit monitoring service or not. I actually called MyFico and the rep said there were never any specials and that the price is a solid $29.99 per month on a CC. Who do you guys use to monitor your credit and why? Thanks

I'm currently using myFICO and creditchecktotal, but will probably be dropping my subscription to myFICO and just buying reports here periodically. MyFico has the advantage of providing a wide range of different scores(the specialty ones for mortgage, auto, etc...) *when you pull a full report*(they're not updated when changes are detected) as well as just your general FICO 8 score(which is updated when changes are detected). Also their monitoring/alerts covers all 3 bureaus where CCT's monitoring/alerts only covers Experian(although you can pull the other two a few times a month at no extra cost, it just isn't going to check them automatically and send alerts for them). CCT has the advantage of a cleaner interface and cleaner report printouts(IMO they're cleaner and look much nicer, but I'm sure someone out there might prefer myFico's). They're also half the cost if you use the previous mentioned suggestion of signing up for the trial and then use the automated system to cancel and take them up on the offer it will give you.

Which Fico scores do lenders use for mortgage loans?

Is fico scores 2, 4 and 5 the scores lenders use for approving a mortgage loan?Also, I have the monthly fico monitoring, I see my scores change, but not the fico 2,4 and 5.Do I need to do a new report for the current scores?

LCD328 wrote:
Thanks. Is it typical that the mortgage scores are normally higher than the fico 8 scores?I think it depends on your profile. I've seen some on here that post their mortgage scores lower; however, my mortgage scores are significantly higher then my FICO8

I want to remove the monitor from my 17" Macbook Pro 2008 to use as an external for my Macbook Pro 15" 2012. How can I convert lvds to Thunderbolt and power the monitor?

I want to remove the monitor from my 17" Macbook Pro 2008 to use as an external for my Macbook Pro 15" 2012. How can I convert lvds to Thunderbolt and power the monitor?

It's almost impossible. The new iMacs have a Target Display Mode, but it's built to do that. Without ripping your screen out, finding an acceptable power supply, frame, and whatever electronics to convert a Thunderbolt signal to the screen, the cost will be much larger than buying a cheaper HiDef monitor that runs with an HDMI to Thunderbolt cable to your MacBook 15. In fact, you can sell your 17" MBP for a lot of money, unless it's broken or something, buying you a really sweet monitor.
By the way, I found your answer by searching this forum. I would suggest using the search function here in the futuere.

FICO scores used for mortgage - and where to obtain them

So would I just do the FICO Standard Purchase and select Equifax and Experian and that would show me the EQ Beacon 5.0 and Experian V2SM scores that mortgage lenders pull? Just curious as the ones I get through banks listed in my sig are drastically different from the one a lender pulled - they said mine is 740 but wouldn't give me more information or show me the print out.

The FICO scores used for mortgages Equifax Beacon® 5.0Experian®/Fair Isaac Risk Model V2SMTransUnion FICO® Risk Score, Classic 04These are sometimes listed on the tri-merge mortgage report as follows: Equifax/FICO classic V5 FACTAExperian/Fair Isaac (Ver. 2)Transunion/FICO Classic (04)Note: they have been commonly referred to on the myFICO forums and elsewhere as: EQ 04EX 98TU 04 Availablility Equifax: myFICO Equifax FICO Standard purchase, or FICO 3 Report View purchase. Equifax Score Power purchase. DCU provides this score monthly to it's membershipExperian: myFICO Experian FICO Standard purchase, or FICO 3 Report View purchase. PSECU provides this score monthly to it's membership.Transunion: myFICO Transunion FICO Standard purchase, or FICO 3 Report View purchase. Updated 3/10/15 - addition of Transunion (yay!) and some clarifications

I cracked my screen. I want to use other monitor which I had one. I bought Apple Mini-DP to VGA adapter. It worked. It means I can see ADDITIONAL screen. However I want to use this monitor for the main screen. How can I do?? Please help.

I cracked my screen. I want to use other monitor which I had one. I bought an Apple Mini-DP to VGA adapter. It worked. It means I can see ADDITIONAL screen. However I want to use this monitor for the main screen. How can I do?? Please help.

You have the display set in Extended Desktop mode. The Menu Bar and Dock will be on the MacBook display and your background screen on the monitor. In System Preferences>Display on the MacBook screen there should be an Arrangement tab when you have the MacBook hooked up to the monitor and both screens working. When you click the Arrangement tab do you see two monitors side by side? One of them will have a Menu Bar at the top. Just click on the Menu Bar and drag it to the second monitor. That will make the second monitor your main screen. You can now use your MacBook in Clamshell Mode with a wired or Bluetooth keyboard and mouse. http://support.apple.com/kb/HT3131 When you disconnect from the monitor your Menu Bar will automatically change back to the MacBook.

Hi there, can anyone tell me how to make make Garageband ignore HDMI as an audio output-device on a 2013 Mac Mini? Now it keeps on prompting me: Do you want want to use the HDMI device (monitor without audio) for audio output? Thanks in advance, Grtz T.

Hi there,
Can anyone tell me how to make make Garageband ignore HDMI as an audio output-device on a 2013 Mac mini i7 using an Apogee jam as an input for bass and a Behringer USB DAC with RCA audio output? Now it keeps on prompting me: Do you want want to use the HDMI device (monitor without audio) for audio output? I'm also suffering massive audio lag issues with the Apogee jam after waking the mini from sleepmode, wich pretty much renders it useless.
Thanks in advance,
Grtz T.

I think the easiest way to do this is to have the EyeTV app running in one user account and sent via HDMI to the TV, and use a separate user account for Screen Sharing. Both logins can be active at the same time and with Lion you can connect via screen sharing to which ever login you need.
With regards to the Mac video resolution changing, when it is not the current input on your AV receiver. This is 'normal', if the Mac sees no signal it drops down the a lower level. What you need is to buy a HDMI Detective Plus which tricks the Mac in to always seeing a signal and hence it will not drop down the resolution. See http://www.gefen.com/kvm/dproduct.jsp?prod_id=8005
The Mac mini does have an IR receiver. This can be used with the EyeTV app, iTunes, and similar. Yes I believe EyeTV would run for prolonged periods quite happily, it is has been around for a long time and had most of the rough edges polished off. However one issue you will have to deal with is that it does not automatically update its program guide data. For this you might have to write or modify an AppleScript. Elgato support or their user forums will be a lot of help.
You can set EyeTV to convert recordings to an iTunes (Apple TV) compatible format and then delete them from EyeTV.
The HDMI Detective should solve your handshaking problems.

Have you had high cc usage for a planned expense that lowered your FICO scores?

In a week or so I am initiating some home improvements and repairs. I know the charges to my cc will be way over the ideal limit until I pay it(them) down, but I now have zero interest on several cards so now is the time to do it. Has someone done this and seen their credit scores sink to the bottom of the barrel? I am thinking I should just not look at scores while I am doing these necessary things and just continue paying down the balances until my credit scores recover. How badly did your credit take a hit if you have done this? Was it worth it to you? (I only just got these scores in the last weeks due to utilization and new accounts.) Oh, and what is considered 100% usage? How close to the limit can I go? Thank you for any responses. In my wallet: Venture 15k; Barclay Ring 12.5k; Discover 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; Band of A Travel Rewards 3.5k; Bank of A Travel Rewards 3.5k; Bank of A Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 66,200. 7/2-FICO: EQ - 788; TU - 777; EX - 690; Utilization: 12%; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 5 TU: 7; EX 3; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.

Musiclover wrote:
Have you had high cc usage for a planned expense that lowered your FICO scores?I don't recall but I have been up to 76% recently. However, the balance was immediately paid off. I don't recall if reported or not. The impact didn't really matter since it was going to be paid off immediately. Musiclover wrote:
Oh, and what is considered 100% usage?
Utilization is balance/limit. If the balance equals the limit it's 100%. Musiclover wrote:
How close to the limit can I go?Depending on the card you may be able to exceed the limit. However, such cards would require that you immediately pay any balance exceeding the limit. For scoring purposes it is recommended to not exceed 30%. However, short term high utilization generally isn't an issue. It's prolonged high utilization that can get you into trouble. Be aware that there is a double hit from having high utilization on a card and having itmaxed out (generally >90%). Musiclover wrote:
I know the charges to my cc will be way over the ideal limit until I pay it(them) down,How long will that take? What utilization would you be at initially? How long would it take to get it down to 50%? Under 30%?

I have a 27" IMac. I want to add additional monitors to it. There is a vga slot for the first monitor. I would like to add a second monitor but there is not another via slot. Is there an adapter I can get for via to usb?

I have a 27" IMac. I want to add additional monitors to it. There is a vga slot for the first monitor. I would like to add a second monitor but there is not another vga slot. Is there an adapter I can get for vga to usb?

Here's the problem I am trying to research for you...
There does exist a way to add a second monitor via USB:
USB 2.0 to HDMI Audio Video 1080P Adapter for Windows and Macbook
It's the only device I know of that can do that. The problem is that it wants a HDMI connection. So that means a HDMI-to-VGA adapter or converter needs to be found (not VGA-to-HDMI, those are easier to find).
Interesting article realted to this:
Hdmi to vga adapter
Maybe somthing like this converter will work.

Balance dropped, score dropped. FICO scores a mystery.

They only reason to pay for the service of credit monitoring here on myFICO is so you have some idea of where you stand when you apply for any type of credit or loan. All the information about understanding FICO scoring is all cookie cutter garbage that you can read on any other "credit monitoring" service. And the people that work for myFICO have no idea what they are talking about either. They just repeat the same cookie cutter garbage I was just mentioning. I really hope they are providing their "services" for free, because if they receive any kind of compensation, it is undeserved. My statement balance on my American Express Everyday card went from $50 to $0 and my scores dropped by 11, 12, and 17 points (Equifax, TransUnion and Experian.) I brought the statement balance back up to $50 the VERY next month. Did my scores recover the lost points I just lost a month ago? No. And I am sure all these "credit experts" will say, "something else in your report must have changed." That is code for, "I have no idea what happened, I am just as clueless as you why your score changed the way it did." The precise formula for generating your FICO score is a well guarded secret. It is the same formula used in determining battle damage to your characters in the old Sega Master System game Phantasy Star. Sometimes when attacked, your character would lose 6 health points, other times 80 health points, and even other times 3/4ths of your total health, and so on and so on. This is how FICO scoring works. The formula basically goes, OOGA BOOGA, OOGA BOOGA, this is your updated score. The only advice on this site (again which you can find on EVERY other credit monitoring service) that is worth anything is what responsible credit habits you should be practicing. Other than that, just hope for the best. Your score is a mystery, and it always will be.

Beavakos wrote:
What difference does it make if there are any negatives on my report? I lost points for doing something negative, which is bringing my balance to zero, than returning it back to its previous balance. THAT IS ALL I DID. I thought time heals all wounds when it comes to credit. Any credit missteps I might have had taken should be corrected with time. I really don't know how to make this any clearer. Nothing in my report changed except TIME. If I have two dollars in my bank account, and spend one dollar, then deposit one dollar, I should have now have TWO dollars AGAIN. ?????????????????I understand what Beavakos is saying here and we all get it. Most of us love analyzing data which is why we are here after we've already cleaned up our reports and greatly increased our scores. Again, I understand how Beavakos feels - it is said time and again that UTIL has no memory and what is lost due to UTIL will be regained - well, not always true. Looking strictly at the data two things changed on Beavakos' report: 30 days were added to age and UTIL went from something above 0% to 0%, then back again and yet Beavakos' score did not fully recoup the loss. The reason for this, I think, is very clear - we do not know as much as we think we know about FICO or any other scoring algorithm. If I lost 10 points for going from 5% UTIL down to 0% UTIL but then gained those 5 points back by raising my UTIL to 5% again then scoring algorithm's are not as complicated as they are made out to be and are thus not worth paying for. The previous scenario is simple math and if indeed it was only that I should be able to retest that hypothesis time and again and get the same exact results - not happening. That said, I do not believe that scoring is a crap shoot or something only a witch doctor can understand. It is a complicated mathematical equation that has 100's, if not 1000's, of factors all having a different weight at a different time and I believe there is no one that can determine with 100% accuracy the effect any one factor, forget about multiple factors, will have on your score. Not even the people who wrote the code would know as no one person wrote the whole code. We should probably stop getting so frustrated with how our scores react to the different changes in our reports. The reason we get upset is that we think this is some simple black and white game and it's not. It is very complicated and we will never know what we want to know to the accuracy level we want to know it. What's important is we know what hurts our score to a high degree and what helps our score to a high degree. Take care of all those things we know about and your score will go up; don't take care of those things and your score will go down. After that it is just a game we play to see how we can get to 800...

Want to signup to monitor fico scores for mortgage

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