I am almost ready to pull the trigger and apply for a mortgage loan. Yesterday, I got an EE from Experian for my last collection account. My only hold ups are that my new AMEX from Sept and my student loan from Aug haven’t reported yet. Would it be advised to wait until they post, so I can see any changes in my credit scores based on AAoA? Or does it not really matter at this point, because I know that they are coming and I will be applying anyways? Obviously, I would be disclosing both to my LO if I go with the latter.
My mortgage scores prior to the EE were EQ-701 TU-716 EX-694, so I expect a slight increase in my EX only.
