I have a serious problem with disconnects between credit scores. I recently obtained my fico scores from my fico. The scores reported were Equifax XXXX XXXX and XXXX XXXX. I thought these scores were n't great but the were high enough for me to qualify for a mortgage. Wrong. I find that they have a separate score foe mortgages that were about XXXX points LOWER than the scores given to me. How can this be? So here I am excited at the prospect of owning my home and I come to find out that probably will never be. Yes I have had some credit problems 6 years ago! I would like to know how these scores are derived. Something has to be amiss. I am a single mother and XXXX veteran and because of these faulty scores I ca n't even use my va loan benefit. It appears that this whole credit reporting thing is a scam. In the past 2 weeks I 've spent about {$100.00} to get faulty information. These people are not regulated properly and people with mistakes that the credit bureaus refuse to fix pay the price.