Ive read through the forums that consumers do not have access to their EX and TU Fico Scores. Wondering if anyone could guess whether my EX and TU fico04 scores would be higher or lower than the following:
TU Score 620 via Capital One Credit Tracking
EX Score 610 via First Premier Credit Manager
Things affecting my TU Score:
1. Williams and Fudge Collection - 776 Unpaid
2. Enhanced Recovery - 154 Paid
3. Nelnet 2 accounts showing (1) 90 day late
4. Wells Fargo Dealer Services showing 30 day late in March 2014; and about (15) 30 day lates 2012-2013
Things affecting my EX Score:
1. Williams and Fudge Collection - 776 Unpaid
2. Enhanced Recovery - 154 Paid but not yet showing 0 balance
3. Enhanced Recovery - 100 Paid but not yet showing 0 balance
4. Financial Asset Mgmt - Paid showing 0 balance
5. Midland Funding - 347 Unpaid (currently in dispute with Midland, BBB and CFPB)
6. Scana Energy - Paid showing 0 balance paid collection
7. Nelnet 2 accounts showing (1) 90 day late
8. Wells Fargo Dealer Services showing 30 day late in March 2014; and about (15) 30 day lates 2012-2013
My Equifax Fico 04 score is currently 577 and Im wondering since my TU score would be the middle score and its possibly in the mid 600 if I should go ahead and try to apply for a home loan.
I appreaciate the advice and expereince in advance!!!
