K, found my credit score from all three agencies - seems to vary quite a bit.

849, 819, 653

Why the dramatic difference in numbers?

How good does it have to be to make up for other factors in a loan decision? Are these good numbers?

Do Ya see that fist full of dollars over there
Now all you need is a source of income to put with it!
and sometimes not even that! Then the financial world is your Oyster.
Yes the scores are good, if they are real.

I had a client with a 730 score. He paid his bills on time, but no job and no Documentation!....AKA: Hustler
He went stated, but the interest rate was that of a bum. Might as well of had a 599 score.

Is the low score from Equifax or Experian?
They seem to take a tiny bit longer to update or receive qualified verifications, so they may rate you lower. That's why the scores differ. But still then, they will never be the same.
You have to keep a watch on your reports, to understand what causes the differences.....It could be a variety of things. Your payment history and the reporting agency.
And then again a multitude of other weird happenings.

I was told by the Federal Trade Commission that it depends on the Bureau. Different scoring methods.
The score can be as high as 950 or as low as 300......the average is 678.

I've found that most Loan Officer's love you at around 730 and above. And try to make a silk purse out of a pig's ear at 600+.

Sorry forgot to log in...that's my post above.