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Credit karma.


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8 minutes ago, Angry ginger said:

actually it's not awesome,  the credit score they generate is pretty useless and causes all sorts of problems in my business as it is not the algorithm that most lenders actually use.  

Who cares about the credit score? It’s all the other features that are nice. 

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7 hours ago, Angry ginger said:

actually it's not awesome,  the credit score they generate is pretty useless and causes all sorts of problems in my business as it is not the algorithm that most lenders actually use.  

Your place uses FICO?

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43 minutes ago, racinfarmer said:

Your place uses FICO?

all the mortgage investors use a specific fico model that companies who give away scores for free aren't going to pay for.  we use a 3 bureau report which consists of

  • Equifax Beacon 5.0
  • Experian/Fair Isaac Risk Model v2
  • TransUnion FICO Risk Score 04
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53 minutes ago, Angry ginger said:

all the mortgage investors use a specific fico model that companies who give away scores for free aren't going to pay for.  we use a 3 bureau report which consists of

  • Equifax Beacon 5.0
  • Experian/Fair Isaac Risk Model v2
  • TransUnion FICO Risk Score 04

Oh when you talk dirty...

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