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The 150-Point Lie: mortgage credit score gap between consumer apps and lender pulls

The 150-Point Lie: Why the Credit Score on Your Phone Has Nothing to Do With the One Your Lender Will Pull

There’s a 150-point gap between your everyday credit score and your mortgage credit score — and most borrowers don’t find out until it’s too late. A borrower walks into the conversation with an 800 on her phone. Credit Karma says 800. Her Chase app says 800. She’s been watching that number climb for two years.

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