I am getting real close to applying for a construction and permanent loan for my new home, thanks to all the help I have received from many of the post on this site. I have significantly increased my credit score over the last 18 months and am finally ready to build my dream home. The question I have is, how much difference is the scores that the mortgage company pulls compared to the scores that consumers see when they pull their own credit report? I recall reading in a previous post that the score can be significantly less when a Mortgage company pulls the report! Thanks for any insight.