UPDATED Tried to get lender to pull, having issues and questions....

[Anonymous]

EricDET --

I don't understand. If TU is lower than the 656 that EX pulled, it will fall between that and my 587 EQ, right? Which means it would be the middle score.. and USDA takes the middle score. So, if I pull TU and it is under 640, it would be a pull for nothing, no? 

I think I'm more confused now?

[Anonymous]

Updated pg. 1 with recent mortgage numbers

[frugalQ]

that's a nice jump!  congrats.  you will be at 640 on your EQ in no time...and then your TU will not even matter

[Anonymous]

Most recent scores:

TU 682

EX 656

EQ 635

The 30 day late is on Capital One and was June 2014, however it reported as 30 days late July 2014 on my credit reports (they reported in July that it was 30 days past due. I made payment in July for both June and July). Do I need to wait till July? I'd really like to apply as of the first week of June :/