Does anyone know what credit score mortgage lender look at?
Written By: admin on August 22, 2009
One Comment
I bought my credit report that had a score on it from experian then I saw that there was also something called your vantage score. My vantage score is higher than the experian score. Which one would a mortgage lender look ant? Any one with experience in this?
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Nearly all lenders will really use the middle of the three scores. Some lenders (usually credit unions) will only use one score and that varies by their choice so it is best to just question them. If you are plotting to use a mortgage broker then chances are they will use your middle score.
The Vantage score is something new that has been developed for a supposed more accurate determination of credit risk, but has not caught on in mortgage lending so far.