WHICH CREDIT IS USED FOR A LOAN?

[Anonymous]

TU, EX OR EQ OR ALL 3  FOR A FHA LOAN?, MY HUSBAND WENT TO BANKRUPTCY 2 YEARS AGO, WE HAVE PROOF OF ALL ACCOUNTS REMOVED AND THE LO KEEP ASKING FOR MORE, I AM ALREADY GETTING TIREDDDDDDDDDDDDD, WHAT CAN I DO WITH A ACCOUNT THAT SEEMS TO BE SOLD, IT IS THE SAME ACCT # AND 2 DIFERENTS COMPANY NAMES AND THE LO THINK IS THE SAME, I AM SO MAD WITH HIM

[Anonymous]

THE NEGATIVES ACCOUNTS HAVE BEEN DELETED FROM EX AND EQ BUT STILL SHOWING ON TU IS THIS SOMETHING BAD BEFORE CLOSING, WHICH IS SUPPOSED TO OCCUR ON OR BEFORE 11/30 DO I HAVE TIME TO DO SOMETHING? HELPPPPPPPPP

[llecs]

Has your LO said anything bad about this account(s)? Is it holding you back according to your LO?

[BungalowMo]

Your qualification & subsequent interest rate are primarily based upon your mid score.  Take all 3 FICO's & toss out the hi & lo & your mid score is the one they use.

[DallasLoanGuy]

all three reports are considered in underwriting

[Anonymous]

my husband filed for bkcy chap 7 2 years ago and there are 3 negatives accounts showing in tu, these same accounts are already removed from ex and eq, i just called tu and they said it will stay there for 7 years, why the other removed them and they not, we cannot get approved because of this, can we do something? why fha say that after 2 year you can apply for loan? i do not understand

[johnsj21]

My DH's ch 13 was just discharged in August and I have been working with TU and EX (EQ was really good and updated everything right away) to make sure his reports read correctly....meaning that all debts that were included in his BK are reported IIB (included in bankruptcy) and a ZERO balance.  They don't have to remove the tradeline they just have to report it IIB with a ZERO balance.  A BK doesn't erase the tradelines....just brings the balance to ZERO and noted as IIB.  You need to send TU a copy of his Ch 7 BK discharge along with a schedule of his debts that were included....that is what they required from my DH.