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Should I pull an EQ report before the LO?

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thankfulheart
Established Contributor

Should I pull an EQ report before the LO?

I have SW from MyFICO and USAA's CMS. Should I pull an EQ report early Friday, before the LO does, just to be sure the numbers are all in line?  Can't believe it's already time to apply THIS WEEK.

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

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Sunshine85
Frequent Contributor

Re: Should I pull an EQ report before the LO?

I would....just so there are no surprises. I'm looking at a USDA loan, and my DTI will be around 45%. I made the mistake of not repulling Equifax (my mid) before I applied, and it turned out I had dropped below 660. I was expecting to be well over 660 because I'd paid off some cards after my last pull. Had I pulled my scores, I would have known that I needed to pay off a few more cards before applying. IMO, it's worth the $20 to know exactly where you'll stand when the lender pullls.
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