But... Credit Karma says my score is a 700!!!!
Ok... one of the biggest frustrations with us "mortgage people" is that consumers have been led to believe that there is only ONE score for their credit.
There is actually over FIFTEEN different credit scores available and the one you got from anywhere other than one pulled "for a mortgage pre-approval" is NOT the score we are going to use. In fact, Credit Karma uses a FACTA score... which isn't even a FICO score.
My friend Sam Parker from MY CREDIT GUY.com explains this in his video:
If you have questions about your credit scores... reach out to me and we'll go over the details over the phone or set up an appointment to see me at my office to review.