I recently spoke with a mortgage lender who told me that ‘all mortgage lenders use the ‘triple report scores’ to determine your credit worthiness and that they pull from the beginning of time when you began establishing credit’ To say my mouth dropped when he said this is an understatement, I was literally speechless for minutes over the phone! They go back to when I was 18 yrs old? I don’t wanna tell you how many years that is!! hehe He said that ‘triple report scores’ was not meaning getting a report from all three reporting agencies(Experian, Equifax, Transunion) that it is a horse of a different colour! I have never heard such a thing! I do know if you go to Credit Karma, you get your trans union score free as that is what it says in tiny print, but I am assuming even that is a FAKO score not the FICO.