<prompt> Human: So sorry if this post is long. Me and my wife are looking to buy a home. We spoke with a mortage broker back in Nov 2016 since then we have done everything he has suggested such as paying off my student loan and also getting the credit card debt down. When we first talked to him my equifax was sitting at roughly 589 and my fico was roughly 595. Now fast forward to this month Aug 2017 and i am proud to say we have paid off the student loans and only have a small balance on the credit cards 50. Now my equifax roughly around 609 and my fico is sitting roughly at 639 and my mortgage broker is saying we need to get the credit score upto 620. Now my question is does banks look at the traditional credit score or the fico score and or both? My mortage broker is not fully answering my question regarding this and kinda feels like we are being jerked around. Also forgot to mention we have not missed any payment on the credit cards since Sep 2016 at which point we hit 60 days late due to medical issues at the time also my wife is a stay at home parent and we are being told her credit score doesnt really matter but she is sitting at roughly 590. Would love to get a second opinion that would be great. Thanks for the help  <response>: You need to get your finances in order before you even think about buying a home. Your credit is fucked you need to take a few years and build good money habits before taking on what amounts to the most massive amount of debt a person will ever be in. 