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My credit was in a catastrophic state 18 months ago. 12 months ago it looked like:
04/23/09 - FICO/ TU: 508 EF: 533 FAKO/ EXP: 58
Currently:
03/06/10 - FICO/ TU: 638 EQ: 613 EXP: 658 (pulled by mortgage lender)
Here's the vent..... With my current scores I qualify for a VA Loan w/ a mid-score of 638. HOWEVER, my lender is using the TU Classic04 scoring model...which has my TU score at 603! GRRRRR! If they were to use the TU98 version (which myFICO uses) I'd be good to go!
I'm considering looking for a lender who uses TU98. What are your thoughts?
Hi tbone...you deserve a good vent! That's too bad.
My understanding is that most mortgage lenders use the TU04 in their trimerge reports. There is no harm in calling around to see what you find.
Is there anything more you can do to tweak your scores? You're so close now. Is your utilization at or close to zero? What is your AAoA? Any chance of someone adding you as an AU on an old credit card with lots of good history?
If you think we can help, give us some details of what's on your reports. There are some master "tweakers" in these forums that may have some advice.
ArmyStrong....excellent name! ~Airborne!
LOL...anyway, I'm going w/ a local lender. Curious, have you been able to see your reports? If so, it should say what version (TU98 or Classic04) they used to get your TU score. Looks like I'll either have to wait it out...or find a lender that's using TU98....
Hooah! :-) I think they used TU98, but I'll check later to make sure. Finding the lender who does shouldn't be too hard I would imagine. Have you checked out any of the above mentioned?