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TransUnion doesn't use the standard "FICO" scoring.

Then what do they do? Seriously.

I remember when I was getting my mortgage, I pulled my own. My score was like 580 or something horrible like that (mess ups from medical collections).
I talked to my broker, and she said she pulled it and it was like 620.
And I still got a decent rate for my mortgage (probably bc DF was on the loan as well).


How can they not use the real FICO scores?

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