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😠 It’s so frustrating that there are 9 FICO scoring models and vantage scores. I wish they would just make this whole credit thing a lot less confusing, but this is what we have to work with unfortunately. 🤦‍♂️ If you are working on your credit or keeping track it online, I suggest you plan on your mortgage credit score being 10 - 20 points lower than what you are seeing online. So for instance if you are trying to get to a 640 credit score, just to be safe, assume the credit score you see onl
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