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How come the credit reports I get online don’t give me the same credit scores that lenders use?

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How come the credit reports I get online don’t give me the same credit scores that lenders use?

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Good question. Mortgage lenders use FICO scores and it is a mystery to those of us in the lending community as to why the credit bureaus give out anything but FICO scores since it does nothing but create confusion for all involved.

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