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So today I told our lender we were ready to pull scores. He is going to do it Monday. Rather Nervous and worried all the work over the past few months was not enough. I have been able to get all negatives removed except a couple of lates from over two years ago and a paid charge off. Now I wait and see what our scores are. Husbands are very close to the same as mine. Very, very nervous! Going for a USDA loan and have been very honest with our mortgage broker.
Equifax 681(August 562) increased 119 points
TransUnion 669 (sept 619) increased 50 points
Experian 690 (sept 589) increased 101 points.
I worked on good wills for things that were paid, debt validation on items I had concerns about, and disputes for inaccurate information. I monitored the reports, paid down utilization. Utilization is still high but so far we are seeing increases with each payment as the amount decreases. Overall I had multiple items removed or corrected. The only negative items left are some 30 days on two capital one accounts, a paid first premier( just paid it and will goodwill later, had success on my husbands first premier account), and four student loans with a late pay from two years almost three years ago.
Did you get your scores from here or from the CRA consumer scores?
@Anonymous wrote:So today I told our lender we were ready to pull scores. He is going to do it Monday. Rather Nervous and worried all the work over the past few months was not enough. I have been able to get all negatives removed except a couple of lates from over two years ago and a paid charge off. Now I wait and see what our scores are. Husbands are very close to the same as mine. Very, very nervous! Going for a USDA loan and have been very honest with our mortgage broker.
Equifax 681(August 562) increased 119 points
TransUnion 669 (sept 619) increased 50 points
Experian 690 (sept 589) increased 101 points.
Regardless of the outcome, you did the right thing. Now you'll get a copy of your lender-pulled reports. All the best and do let us know how it works out.
my scores on here (just paid things off and had collections PFD that have not posted yet) were 598/601/604 and my lender pulled a MIDDLE socre of 575 on that same day. just an FYI.