Score update! Should we app?

[pengy_wi]

I paid for DH's MyFico scores today and TU is 661 and EQ is 656. Lender pull on 4/27/12 was TU 616, EX 668 and EQ 625. Should we be safe to apply for FHA?

[dpechal]

The TU is holding you back, i'd wait at least until it is 650ish 1-2 mo. tops, I know how you feel and you wait to apply now, but those 2 months of waiting will be worth it for the next 15-30 years!!!

[pengy_wi]

The TU from here is 661

[dpechal]

Im sorry, I just seen that it was April, and not May!  Your there, but borderline!

[FrugalRican]

The question is... is his version of TU the same as the version the lender is pulling?

[pengy_wi]

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@FrugalRican wrote:

The question is... is his version of TU the same as the version the lender is pulling?

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The broker I spoke with today said they use TU '98 and require a 640. I have a email out to confirm that with her.

[JenniferinFL]

What does your lender want? A 640 mid? If they just want a 640 mid, then you have it. Obviously though, I would keep working on his credit in case they do a second pull. My husbands credit just got repulled today and we're supposed to close tomorrow.