When you apply for a mortgage, lenders will generally request all three of your credit reports. One from each credit bureau. These are FICO® Score☉ based credit reports. However, the type of FICO® Scores they request are often older versions, due to guidelines set by government-backed mortgage companies Fannie Mae or Freddie Mac. It can be important to know about these different FICO® Score versions when you're planning to buy a home.
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