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Mortgage Fraud Mortgage Fraud. This page addresses residential mortgage fraud issues; mortgage fraud schemes generally employ some type of material misstatement, misrepresentation, or omission relating to the property or potential borrower which is relied upon by an underwriter or lender to fund, purchase, or insure a mortgage loan.

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I’ve heard of people with VS scores 100 points higher than their FICO scores, and I’ve heard of people with FICO scores 100 points higher than their VS scores. To the OP, ALL scores are accurate. Only 3 factors go into a score: The scoring model, the bureau data used and the time at which it was generated.

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