What Credit Scores Do Lenders Look At

Most lenders use FICO scores from all three credit bureaus when evaluating your loan application. Your score will likely be different for each credit bureau and there may be errors on one that don’t appear on the others. When you apply for a loan, do it with the peace of mind of knowing how you’ll be viewed by lenders.

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The typical FICO score for the C credit tier is 581 – 659 and is also referred to as: 3 tier credit (ford motor Credit) C Tier (gmac financial) silver tier tier 3 Credit (Auto lenders that don’t use lettered credit tiers) This is the hardest tier for me to give advice on without.

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Reader question: “I know mortgage lenders check your credit reports and scores when you apply for a loan.But what about later on in the process? Do lenders run another credit check just before the closing day? I’m concerned about something that might have hit my credit during the underwriting process.”

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By law, each credit bureau is required to issue you one free credit report per year. Your credit report will list what that credit bureau has on your file, such as accounts and credit inquiries. It.

When it comes to applying for a mortgage, lenders look at all aspects of your financial life, including your credit scores. While your credit scores don’t get combined, knowing how your credit score and your spouse’s score will be viewed together when you apply for a mortgage helps you prepare.

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A deep dive into how your credit report can influence mortgage lenders’ decisions. Lenders base mortgage decisions on several factors. They’ll look at what you’ve written on your application and they’ll consider how you’ve dealt with them in the past.