How to get my TRUE FICO 5-4-2 credit scores

Last modified June 27, 2022

Instructions for using myfico.com

GO TO myfico.com, PURCHASE THE PREMIER PACKAGE for $39.95 (You need to purchase the Premier Package, so you can get 3 Bureau updated scores monthly until you’re mortgage ready), Please either print out or save EACH Bureau’s version of your credit report and look closely at what may be affecting your credit. Then, contact that Creditor and see how you can get that derogatory information EXPUNGED (removed) from your credit report.

****THIS WILL NOT AFFECT YOUR SCORE IF YOU PULL YOUR OWN Scores and credit report****

1) GO TO “START PLAN” AND PUT IN YOUR PERSONAL INFORMATION AND FORM OF PAYMENT TO SUBSCRIBE.
2) YOU WILL THEN BE ASKED VERIFICATION QUESTIONS TO MAKE SURE IT’S YOU.
3) UPON COMPLETION YOU WILL BE BROUGHT TO THE MyFICO.com DASHBOARD, WHICH WILL DISPLAY 3 LARGE GREEN/WHITE CIRCLES WITH YOUR FICO 8 SCORE (THESE ARE NOT YOUR 5-4-2 FICO MORTGAGE SCORES. YOU’RE NOT DONE!)
4) TO OBTAIN YOUR REAL FICO 5-4-2 CREDIT SCORES (The FICO versions and scores used by virtually all Mortgage Lenders in the United States. GO TO THE URL LINK below the 3 FICO 8 Scores.
5) THE LINK SAYS “VIEW ADDITIONAL FICO SCORE VERSIONS USED IN MORTGAGE, AUTO AND BANKCARD DECISIONS”
6) CLICK ON THAT LINK. THE TAB AT THE TOP IS EACH BUREAU. ( GO TO THE 2ND SCORE IN EACH TAB. (EXPERIAN) FICO SCORE 2, TRANSUNION IS FICO SCORE 4, AND FICO SCORE 5 FOR EQUIFAX AND Write DOWN YOUR 5-4-2 SCORE.
7) THIS WILL GIVE YOU THE TRUE 5-4-2 SCORE. THE MIDDLE SCORE IS WHAT THE LENDER WILL USE FOR QUALIFYING YOU TO OBTAIN A MORTGAGE. THE MIDDLE SCORE OF THESE THREE 5-4-2 SCORES IS THE ONLY SCORE WE CARE ABOUT.
8) THEN GO TO THE REPORTS (TAB) ON THE BLACK BAR AT TOP OF WEBPAGE and CLICK IT. THEN CLICK ON THE GREY BOX WITH YOUR “3B” BUREAU REPORT AND LOOK AT YOUR REAL CREDIT REPORT.
9) MAKE SURE EVERYTHING ON THAT REPORT ARE YOUR ACCOUNTS AND THEY ARE ACCURATE.
10) IF YOU LOCATE ERRORS ON YOUR REPORT. GO TO “MORE” AND TO DISPUTE ERRORS-INFORMATION WILL BE DISPLAYED TO PUT IN YOUR DISPUTE ONLINE AND/OR CONTACT US IF YOU WANT OUR OPINION OF WHAT TO DO NEXT.