> ONLINE FICO "FAKO" SCORES vs "MORTGAGE" CREDIT SCORES

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A 700 credit score isn't as good as it used to be.  And those worthless Online scores are generally a lot higher that Mortgage credit scores.

New Mortgage Credit Scoring  (un-official chart)

840 - 800 Extremely Good

799 - 760 Excellent

759 - 740 Very Good

739 - 720 Good

719 - 700 Above Average

699 - 640 Average

639 - 620 Below Average

619 - 600 Poor

599 - 550 Very Poor

549 - 500 Very Bad

499 - 350 BTR  (Born To Rent) or (Better To Rent)

Online consumer FICO scores even though pulled through Equifax, Trans Union and Experian are NOT mortgage credit scores.

Every product has a different scoring module. Trying to finance a car would show different scores than a trying to finance a boat or applying to obtain a credit card, etc.

So attempting to shop for a mortgage using on line credit scores could be a huge waste of time. This is why fully applying for a Mortgage and knowing your "Mortgage" Credit Scores is so important.