u/BetterDays989

Husband and I were preapproved for a home loan.
I asked the loan officer what my credit score came in as- as I’m curious to how they compare to apps.

He said 758.

My scores in my apps
Credit Karma 811/815
Experian shows 808 Fico

My CC APPS also show all over 800.

He said something about they use a certain way of calculating your credit score but 50 point difference seems pretty crazy to me. I can see a few points or even 20, but 50?

Is this normal?

Husband and I were preapproved for a home loan.
I asked the loan officer what my credit score came in as- as I’m curious to how they compare to apps.

He said 758.

My scores in my apps
Credit Karma 811/815
Experian shows 808 Fico

My CC APPS also show all over 800.

He said something about they use a certain way of calculating your credit score but 50 point difference seems pretty crazy to me. I can see a few points or even 20, but 50?

Is this normal? Any experience or insight is appreciated.

Also, it was just a soft pull as the hard pull will happen when we find a house and make an offer etc. will the hard hit issue a different result or no?

Husband and I were preapproved for a home loan.
I asked the loan officer what my credit score came in as- as I’m curious to how they compare to apps.

He said 758.

My scores in my apps
Credit Karma 811/815
Experian shows 808 Fico

My CC APPS also show all over 800.

He said something about they use a certain way of calculating your credit score but 50 point difference seems pretty crazy to me. I can see a few points or even 20, but 50?

Is this normal? Any experience or insight is appreciated.

Also, it was just a soft pull as the hard pull will happen when we find a house and make an offer etc. will the hard hit issue a different result or no?

Husband and I were preapproved for a home loan.
I asked the loan officer what my credit score came in as- as I’m curious to how they compare to apps.

He said 758.

My scores in my apps
Credit Karma 811/815
Experian shows 808 Fico

My CC APPS also show all over 800.

He said something about they use a certain way of calculating your credit score but 50 point difference seems pretty crazy to me. I can see a few points or even 20, but 50?

Is this normal? Any experience or insight is appreciated.

Also, it was just a soft pull as the hard pull will happen when we find a house and make an offer etc. will the hard hit issue a different result or no?

Is this area in a safe location or no?
How is north Knoxville as a whole?