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Discussion in 'Credit Talk' started by mindylou, Jun 17, 2001.
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When applying for a mortgage they will run what is known as a merged report, this is all 3 reports from each agency. Fico is generated from Ex, Beacon is from EQ and Emperica is from TU. They will then take the middle score and use this for your loan qualifications. Depending on what loan program you are getting 635 should be okay for FHA , these loan programs aren't score driven. I have known people who have gotten conventional loans with scores in that range . If going conventional you may have to pay a higher rate with that type of score.
Mindy, I second Mom's response...you should be fine! My middle score was 651..but hubby's was 629 and we are getting FHA!