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<div style="color: #1c5719; font-family: 'Raleway', sans-serif; font-size: 12px; font-weight: bold; padding-right: 31px; text-align: right" align="right">Mortgage Industry Commentary | November 14, 2017</div>
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<p><span style="font-size: x-large">FICO or FAKO?? </span><br><span style="font-size: x-large">The Credit Score You\u2019ve Obtained May Not Be So.</span></p>
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<p><span style="color: #000000; font-size: small">[This article inspired and edited from by a recently published article by Alan Hayon, Certified FICO Professional and President of <em>Credit Advisory Group</em> <a href="http://app.streamsend.com/c/29934843/3497/E13aI7n/P1ts?redirect_to=http%3A%2F%2Fwww.CreditAdvisoryGroup.com" title="www.CreditAdvisoryGroup.com" target="_blank">CreditAdvisoryGroup.com</a> in Garden City, New York.]</span></p>
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<p><span style="color: #000000">Many consumers preparing to purchase a home obtain credit scores from websites like Credit Karma or Credit.com to avoid surprises during the application process. With these free credit scores, consumers begin their mortgage search, lulled into a false sense of knowing what their true scores look like. It\u2019s a common misconception for sure.</span></p>
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<p><span style="color: #000000">When lenders pull a consumer\u2019s credit, they pay a significant fee to obtain the legitimate FICO (Fair Isaac Credit Organization) scores. Those free websites are not providing the actual FICO score that lenders and banks see when pulling your credit. They are showing you a \u201cFAKO\u201d score \u2013 or an educated guess of what your score could be. The only way you can get your actual credit score is from <a href="http://app.streamsend.com/c/29934843/3499/E13aI7n/P1ts?redirect_to=http%3A%2F%2Fwww.AnnualCreditReport.com" title="www.AnnualCreditReport.com" target="_blank">AnnualCreditReport.com</a> or from a lender who has pulled your credit.</span></p>
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<p><span style="color: #000000">When checking your credit, keep two things in mind:</span></p>
<ol>
<li style="color: #000000"><span>Your FICO score will not be the same \u2013 Your score will be different between the three bureaus. When applying for loans, keep in mind various banks and lenders will look at different FICO scores for decisions and rates analysis. For example, an auto lender will look at one FICO score while a credit card company will look at another score.</span></li>
<li style="color: #000000"><span>Your score gets calculated at different times \u2013 Your credit score is not being updated 24 hours a day, 7 days a week, 365 days a year. Credit scores get calculated when a lender or bank requests the score. From the date the credit score was pulled, your report will be updated right then and there for all the banks and lenders.</span></li>
</ol>
<p></p>
<br><p><span style="color: #000000">To get the most accurate FICO score you can use to monitor and even negotiate with, visit <a href="http://app.streamsend.com/c/29934843/3501/E13aI7n/P1ts?redirect_to=http%3A%2F%2Fwww.AnnualCreditReport.com" title="www.AnnualCreditReport.com" target="_blank">AnnualCreditReport.com</a> or ask one of us and we\u2019ll be more than happy to provide you the actual score.</span></p>
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<br><address style="color: #000000"><span style="color: #000000">Sincerely, </span></address>
<address style="color: #000000"><span style="color: #000000; text-align: left">Warren Goldberg,</span></address>
<address style="color: #000000"><span style="color: #000000"><span style="text-align: left">Certified Mortgage Planning Specialist</span><sup style="color: #333333; text-align: left">®</sup></span></address>
<address style="color: #000000"><span style="color: #000000; text-align: left">President and Founder</span></address>
<address style="color: #000000"><span style="color: #333333; text-align: left"></span></address>
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<span style="font-size: small"><em><span style="color: #333333"><strong>Warren Goldberg</strong> is President of Mortgage Wealth Advisors, a Certified Mortgage Planning Specialist®, and a published author. His interviews include Blog-Talk Radio, Newsday, The Daily News, Anton Press, and the Long Island Herald. Since 1992, he\u2019s been sharing his financial knowledge and wealth-building strategies, including how to properly use your mortgage as a financial tool. His clients regularly express their trust and appreciation by recommending friends and family call when in need of mortgage, real estate, and financial guidance.</span></em></span> </div>
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<p style="margin-bottom: 35px"><span style="font-weight: bold">Warren Goldberg · NMLS # 158412</span> <a href="mailto:WGoldberg@MortgageWealthAdvisors.com" style="color: #ffffff">WGoldberg@MortgageWealthAdvisors.com</a></p>
<p style="margin-bottom: 35px"><span style="font-weight: bold">Mortgage Wealth Advisors, Inc.</span><br> 255 Executive Drive, Suite 410<br> Plainview, NY 11803</p>
<p style="margin-bottom: 35px">MAIN PHONE: <a href="tel:5163021090" style="color: #ffffff">516-302-1090</a> <a href="http://app.streamsend.com/c/29934843/3503/E13aI7n/P1ts?redirect_to=http%3A%2F%2Fwww.MortgageWealthAdvisors.com" style="color: #ffffff">www.MortgageWealthAdvisors.com</a></p>
<p><img src="http://app.streamsend.com/public_images/162532/images/equal-opportunity.png" style="float: right; margin-left: 5px" width="59" height="57" align="right">Registered Mortgage Broker, NYS Dept of Financial Services · NMLS # 848753 <br>Loans are arranged through third parties.</p>
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