r******e
发帖数: 289 | 1 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.250 3.500
Refinance Loan 4.875 4.375 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 2 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.125 3.375
Refinance Loan 4.750 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 3 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.250 3.500
Refinance Loan 4.875 4.375 3.750
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 4 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.250 3.500
Refinance Loan 5.000 4.375 3.750
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 5 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.250 3.500
Refinance Loan 4.875 4.375 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 6 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.375
Refinance Loan 4.875 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 7 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.375
Refinance Loan 4.750 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 8 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.250
Refinance Loan 4.750 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 9 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.250
Refinance Loan 4.875 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 10 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.250
Refinance Loan 4.750 4.250 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 11 Market is stable today as investors are still waiting for earnings report.
JP Moragan's upbeat reports seems to signal another run of stock market. For
new homebuyers, it is better to enjoy this silent period but should not
expect a long run.
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.250
Refinance Loan 4.750 4.250 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=7... 阅读全帖 |
|
r******e
发帖数: 289 | 12 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.375
Refinance Loan 4.875 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 13 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.125
Refinance Loan 4.750 4.125 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 14 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.250
Refinance Loan 4.750 4.125 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 15 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.250
Refinance Loan 4.750 4.125 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 16 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.250
Refinance Loan 4.750 4.125 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 17 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.250
Refinance Loan 4.875 4.250 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 18 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.250
Refinance Loan 4.750 4.250 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 19 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.125 3.250
Refinance Loan 4.750 4.250 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 20 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.125
Refinance Loan 4.750 4.125 3.250
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 21 Bond market is going up a little higher with the flush of earning news from
energy stock and the short-term easement of Egyptian turmoil.
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.125
Refinance Loan 4.750 4.125 3.250
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is... 阅读全帖 |
|
k******o
发帖数: 3328 | 22 As like other CA agent here, unless you have FICO score, legally we have to
run your credit score. This is hard pull which might lower your FICO score
by about 10-20 points. However, if you have multiple hard pull on your FICO
for the same reason (i.e. purchasing house) during the specific period of
time (i.e. 2 month), all of those could be regarded as one (1) hard pull.
I, as a licensed mortgage broker, will cover the credit pull cost for you.
It is completely FREE for you.
If you have not had... 阅读全帖 |
|
k******o
发帖数: 3328 | 23 Every time you apply for new credit with hard pull instead of soft pull (i.e. credit card, auto loan, etc), your FICO score is expected to drop around 10-20 scores. If you are in the borderline (i.e. FICO 745), you have the risk to drop below 740.
FICO 740 is minimum to get the best rate for 30 years fixed. See my club for details.
是3 |
|
k******o
发帖数: 3328 | 24 15 year fixed has almost no requirement for FICO score (i.e. FICO 660 is
sufficient to pass the FICO requirement vs >=740 for 30 year fixed). |
|
y****i
发帖数: 17878 | 25 FICO scores provided to consumers and lenders are different, but a 30 point
difference is rare.
Experian FICO scores are no longer available to consumers, but they may
still be used by lenders.
don't know why you couldn't get your TU FICO score. |
|
s**a
发帖数: 6 | 26 Please be aware that there's a new credit scoring system now that is called
Vantage Score, it's diff. with old FICO score, the highest is 990, while
FICO highest is 850. FICO is much more strict.
Good luck. |
|
c**********e
发帖数: 1184 | 27 ***Part 1 of 5 Borrower Eligibility***见http://www.mitbbs.com/article_t/Living/32809645.html
银行审批房屋贷款都看借款人的哪些条件？Part 2 of 5 - 贷款人的信用（Credit）和
负债（Liabilities）
借款人的信用（Credit）和负债（Liabilities）
先来说信用（Credit）。一个人要借款，首先要讲信用。而一个人的信用好坏，是
通过他（她）的信用报告（Credit Report）来体现的。说起信用报告的形成历史，倒
是很有趣儿，因为其最初是在英国小镇的各家零售小商户间发展起来的。当时的小商家
如副食店、酒馆等，经常对老客户采取赊账的方式来吸引客户。时间一长，邻里各商家
间就开始互相交换各自赊账的客户的信息，以便客户上门赊账时，可以尽快地评估对其
赊账的风险，使之能在尽量掌控风险的前提下，多做生意。慢慢地各商家之间的这种信
用信息交换就发展成由专门的信用报告公司（Credit Bureau）来完成的商业活动。目
前美国有三大信用报告... 阅读全帖 |
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l*****7
发帖数: 1125 | 28 也就是说，副卡没用了，不怕hard了？
Fair Isaac (FICO), the major player in the credit scoring industry, has
decided to change its formula for calculating scores. A credit score is a
three-digit number that attempts to predict the likelihood that a particular
consumer will be able to pay off debts and loans in the future. FICO scores
range from 300 to 850: The higher your score, the better your credit. Your
FICO score can determine whether you qualify for a mortgage, car loan, or
credit card, and how much intere |
|
j*****s
发帖数: 1784 | 29 What’s hurting your FICO® score
1. You have a short credit history.
Your oldest account was opened 9 Months ago
2. The balances on your non-mortgage credit accounts are too high.
Total amount you owe on all non-mortgage accounts $1714
Most FICO High Achievers carry a total balance of less than $1200 on non-
mortgage accounts.
3. You've made heavy use of your available revolving credit.
Ratio of your revolving balances to your credit limits 26%
For FICO High Achievers , this rat |
|
p***q
发帖数: 515 | 30 楼主太没警惕性了。对于便宜的事，我都是留意小字的，再三读了之后再行事。
我刚到美国的时候，很想尽快提高自己的credit score，google过后，还看了政府的网
站www.ftc.gov上的内容，明白credit report是法律要求每个credit bureau每年免费
提供一次的，我一直用www.annualcreditreport.com，几年了，都没事。
要看分数的，都是要钱的，只是宣传他们开始怎样便宜，或者捆绑了其他多好多好的
service。我记得有的是在头30天之内取消完全不收费的，但是要做好在电话上磨的准
备。我第一用了，20天左右就打电话去，取消了，费了点口舌。第二次做好预算，用了
三个月。（刚到美国，$9.95一个月也觉得舍不得）。
另外要留意的是分数的种类。贷款之类的大项目，银行要查的是你的FICO score，通常
每个月10来块的不是一定是FICO score是各机构自己搞的score，和FICO是不同的（差
别不大），如果你为贷款而做准备，留意一下小字。 |
|
l****i
发帖数: 2772 | 31 Are "authorized user" accounts considered by the FICO® score?
Published 01/08/2006 02:20 PM | Updated 10/15/2010 10:26 AM
Q: I'm an authorized user on someone else's credit card account that appears
on my credit report? Will it be included in my FICO score?
A: Yes. An account indicating that you are an "authorized user" is included
in your FICO score and is treated no differently than your other accounts in
which you are the account holder. |
|
m*****h
发帖数: 2292 | 32 恩，看到说明了
On July 31, Fair Isaac announced that its latest credit-scoring model,
dubbed "FICO 08," will include authorized user accounts when calculating
someone's FICO credit score. FICO 08 was originally designed to ignore
authorized user accounts, in an effort to stem "piggybacking" on a stranger'
s credit card and artificially inflating one's score.
appears
included
in |
|
|
z*******i
发帖数: 2904 | 34
都不准 在fico上面拿的fico score才准 这里拿到的还是experian plus score
不是experian fico score |
|
d*****5
发帖数: 1920 | 35 以前听说，即使一家信用局的fico score也不一样。
比如买车是fico auto，信用卡是fico loan什么的。用不同模型算出来的。 |
|
n*********y
发帖数: 474 | 36 因为三个局和FICO之间有数据分享协议
如果你申请信用卡只pull了T家，但是其他两家也会通过FICO得到pull的flag，然后系
统会认定1次hard pull，如果pull三家，短期内任何一家的系统都会认定是3次hard
pull，所以暂时分数会降比较多，然后每一家会run一个combination code，把相邻的
pull归成一个，分数自动重算更新
FICO本身也是家公司，了解这个行业的都知道 |
|
l***h
发帖数: 9308 | 37 我的理解。。。。各家显示的hard pull数量是实际值而不是经过处理后的数值，FICO/
FAKO在计算时，把30天内同一类型的hard pull数量当成1个处理。FICO能把3家汇总，
所以得出的数据更真实一些，三家信用局只知道自己的数据，模拟其他2家的数据得出
各自的FAKO自然有些出入。如果haurd pull 都像crapone把3家都拉一遍，可能各个
FAKO就跟FICO差不多了。
是0 |
|
b*******f
发帖数: 428 | 38 I have just tried several credit score service.
Experian: 730+ ($1 free trial)
Citi Monitor: 720+ ($4.99/month, update monthly)
Quizzle: 720+ (Free, update semi-year)
Credit Sesame: 740+ (Free, miss some inquires)
Equifax: (no free trial)
Citi Monitor: 700+
Myfico: 690+ (Free trial)
TransUnion: 770+ (Free trial)
Citi Monitor: 700+
Credit Karma: 770+ (Free, update daily?)
In summary:
1. Credit Sesame is the worst.
2. And there is no way to see lender fico scores through these services.
Most a... 阅读全帖 |
|
m**i
发帖数: 20 | 39 ZT美国的信用卡简介
F1们自然会在到了美国之后拿到一张小卡片，叫做social security card，里面有个数
字叫SSN，有了这个数字，你就在美国开始有信用之类的了，很多筒子们想开始有自己
的信用记录了，这时最方便的办法就是拥有一张信用卡。所以，强力推荐早办信用卡！
！！自费出国留学的筒子要问鸟：我用国内的卡不是挺好的么，而且我木有SSN肿么办
？国内的卡的确不错，但如果你想在美国留下来，早有信用记录对以后的房贷和车贷都
比较有帮助，容易拿到利息低的贷款。至于搞SSN，随便找个校内工就会有了，比如图
书馆看看书啊，学校食堂端端盘子神马的。
关于信用记录局（Credit Bureau）
信用记录这个东西，储存在三大credit bureau手里（一说四大），分别是Experian,
Equifax和TransUnion
信用记录一年可以免费要一次，在http://www.annualcreditreport.com/索要，信用分数无法免费索要，需要交钱
唯一有用的信用分数是FICO score，其它公司所谓的信用分数都是浮云，FICO给出了一
个300-850的分数range... 阅读全帖 |
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a******9
发帖数: 923 | 40 只要名字不叫fico score，就一定不是fico score。
Amex用的是CreditSecure Monitoring Service，给出的是PLUS score，是Experian自
己开发的一套信用分数系统，就跟Transrisk是TransUnion开发的一样，虽然与三大信
用局有关联，但都不是真实的fico score。
吧。 |
|
l*******n
发帖数: 2718 | 41 汗:忘了还有个business card, ink bold,一共九张chase.
总结一下，有一个clean的信用报告最重要。LP跟我一样的背景，一不小心有一个late
payment，信用调到了700一下，虽然两个月后回到740，但最近申卡全部悲剧，毫不通
融。
今年五月以来申请的，每次都是同一天申请所有卡,非chase卡全部instant approval,
chase卡全部打电话reconsider，最后一个打了第三次才同意，拷问为什么今年申请这
么多卡，回答business需要大量travel，不过也不需要关卡，转credit即可。
May: (FICO 810)
Citi Hilton
Amex Hilton
BOA Hawaiian airline
BOH Hawaiian airline
BOA Virgin Atlantic
June:(FICO 780)
Chase Marriott
Chase Ink bold
Barclays US Airway
Chase Hyatt
September: (FICO 755)
Amex SPG
Barclays US Air... 阅读全帖 |
|
s**********g
发帖数: 14942 | 42 FICO么？FICO的话很高了 足够了
非FICO的话。。就不好说了 |
|
a******9
发帖数: 923 | 43 myfico是唯一可以买到fico score的地方。
其它的方式还有
1. 和你在顶楼中那样，申卡后无论通过与否，银行会告诉你他们采用的fico score。
2. Walmart Credit Card自带每月更新TU fico score。
但是，这两种方式都要浪费hard pull，可能还不如直接买。
PS: 如果你想知道为什么分数比较低的话，还不如直接看credit report，每人每12个
月都可以从每家信用局要一次免费credit report看。具体Google一下
AnnualCreditReport就行了。 |
|
g****w
发帖数: 523 | 44 fico是fico karma的分数应该是和transunion一样或者接近的 我申nfl的分数跟karma
的分数差不多
实际上我也没看到哪个信用卡pull fico分数 楼下补充。
版上经常说karma分数没意义 我觉得很没道理 |
|
a******9
发帖数: 923 | 45 TransRisk Score和VantageScore在某种程度上都是Transunion的分数，但都不是基于
Transunion报告的FICO分数，FICO的分数范围是300~850。根据wiki，使用
VantageScore的lender不到6%。
另外，Credit utilization本来就占FICO分数的30%，分数会随着balance有很大变化并
不奇怪，只是应该不会像transrisk那样只看当月的balance。 |
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s**********g
发帖数: 14942 | 46 FICO is from FICO
all three have FICO
or |
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z****l
发帖数: 5282 | 47 ☆─────────────────────────────────────☆
fuchl (严重缺包子) 于 (Mon Jan 7 18:56:10 2013, 美东) 提到:
http://slickdeals.net/f/5786234-American-Express-Platinum-US-10
Annual Fee 450
刚进去看了看，有。。。
☆─────────────────────────────────────☆
xmdxx1182 (卡西莫多) 于 (Mon Jan 7 19:00:26 2013, 美东) 提到:
能吃吗？
☆─────────────────────────────────────☆
Fulton (富二代) 于 (Mon Jan 7 19:02:14 2013, 美东) 提到:
可以找我换100包恰恰瓜子
☆─────────────────────────────────────☆
cocoon757 (Cindi) 于 (Mon Jan 7 19:03:26 2013, 美东) 提到:... 阅读全帖 |
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g*******w
发帖数: 679 | 48 没有可比性。FAKO和FICO模型和算法都不同，如果算出来接近的话是巧合。就算都是
FICO也有好多不同版本的FICO呢 |
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g*******w
发帖数: 679 | 49 二楼说得好！另外有两家的FICO分数有其它方式能拿到。
GE Money发行的walmart信用卡持有者可以免费得到TransUnion的FICO分数，每月初更
新一次。我就是纯粹为了这个申的这卡哈
Digital Credit Union用户，哪怕只是开个savings账户放里$5，可以免费得到Equifax
的FICO分数，每月底更新一次，是通过DCU的secured message自动发。
除了分数外，以上两个都包含降低信用分数的最大两个因素。 |
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s*********t
发帖数: 16647 | 50 赞，谢谢
不过，１。how does a guy know ＂只要he高过740＂
eq和ex的不管free的还是花钱的，比如beacon５。０基本是业内统一的，至少还能获得
，但是fico上至少大部分lender目前使用的tu０４，拒我所知，lender以外没有任河一
家机构能提供。当然lender不同，使用版本不同，但是鉴于tu０４，tu０８，tu９８每
两两之间的分差其实根据算法不同分数能相差很多，一般差２０分，多的能差到４０－
５０分，所以说来说去还是要让自己看得到的fico都要到７６０－７７０上，所以说７
４０这条线其实实际用处不大，买房前除非另外两个ex和eq的fico真的很高，否则还是
很难判断自己是否过了７４０的线。
２。你的lender有没有说到底建议在做房贷１之前３个月，６个月，１年还是两年不要
有hard pull。他们如果有类似建议，基于的是这些hardpull对于分数的影响，还是基
于的是hardpull本身的影响？
pull
,
the
will
paying |
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