March 7th, 2013
March 7th, 2013
Why Is My Mortgage Credit Score Different From What I See Online?
Why Your Mortgage Credit Score May Be Different From the Score You See Online
Originally published March 7, 2013. Updated September 2026.
You check your credit score through your bank, credit-card company or Credit Karma, and it says 760. Then a mortgage lender pulls your credit and says your qualifying score is 723.
How can both scores be correct?
The short answer: You do not have one universal credit score. Your mortgage score may differ because the lender uses different credit bureaus, scoring models or more recently reported information.
Which credit score do mortgage lenders use?
Mortgage lenders traditionally obtain credit information from the three major credit bureaus: Read More
