As a mortgage broker, here's what happens during a typical application
1. Exchange pleasantries
2. Take client's info
3. Pull credit bureau
4. Spend time explaining why credit score is the way it is
5. Finish application, exchange farewell pleasantries
The point of this series is to help you better understand your credit, what affects your credit, what a beacon score is, and so forth.
And just maybe, if enough people stumble upon this, I won't have to spend so much time on step 4 of a typical application process.