The next mortgage company you walk into bring your credit report and credit score with you. I would only deal with a mortgage company that only uses Equifax. I make a point now not to do business with companies that use trans union.

Thank you so much! I knew something wasn't right. It just didn't make sense that the same information and company (Equifax) could produce a different score. I will be using a mortgage broker from this point on.

Thanks again.

In my opinion you should look for another mortgage company. The majority of the time people will trust their broker. It was a smart move on your part to check your credit score. The difference in the credit score could save you $100.00 a month or more.

Hi there,

Recently, my mortgage company was doing a pre-approval and pulled my credit report/score. They came back with a number that I found a bit odd, so I pulled my own within an hour of speaking to them. What I saw was 60 points higher.

I pulled from Equifax and confirmed that they did as well. Any ideas why they would be seeing a score so much lower than mine? They also saw a lower score for my husband as well.

It is a bit frustrating because it changes the interest rates being offered. I'd like to know if it is normal for mortgage lenders to get a lower number than the ones consumers pay for.

Thanks!