09-20-2013 10:03 PM
Hello, I am new posting on this forum but I have been visting daily and love the info. I have a tough problem though. Heres' the problem from the beginning, with no abbreviations so i can be specific and get a specific answer. I was preapproved for a new construction home loan June 13th with a closing date of November 8th. During the construction my credit was going to be "repaired". my scores were in the low sixes on all three bureaus. Well the credit repairman (lol) had me enroll in a website called Credit Check Total, it allowed me to receive Fako scores from all three bureaus. A helpful tool I was told by my realtor/advisor because he said that this model resembled closest what the loan officer would use. He said he liked the ability to be able to pull all three scores daily to come up with an advantageous time to process the loan. Well I enrolled in it and cancelled it after one month. I didnt remember the realtor/ advisor telling me to keep the program going the whole time of the process, but he says he did. Well last month I tried to re-enroll in Credit Check Total and when I would go to pay, it would say that my application cannot be processed at this time due to no credit history from Experian, I knew this wasnt true because the "credit repairman" sent me a link to Equifax's credit monitoring service and they reported scores for all three bureaus'. I made numerous calls to Credit Check Total's customer service, an hour a call most of the time, and to no avail. They would refer me to Experian's website, then request a credit report, which I did. I dont remember talking to anyone at Experian because its mostly automated , you have to be lucky to get a live person at Experian, I like my chances at winning the Powerball better than calling all 3 bureaus and getting a live rep in the same day on the first try. My last customer service call was with a rep at Credt Check Total and she walked me through the process online of going to Experian and seeing if my file had a freeze on it, we couldn't get a pin number so we assumed that there was no freeze on my file. She then asked me if I would like to enroll in a "second tier " monitoring service because she was no longer able to advise me on my Credit Check Total issues. This phone call lasted almost an hour. That took "the wind outta my sail" because I had been trying for like the last 20 days, every other day, on the phone , on the website, with negative results. My credit was being "repaired" during this time I thought, but in actuality the "repairman " didnt send the letters off untill after all of this had taken place so It would have had no affect on my file I would think. Now its "crunchtime " for me because all of my removed collections have came back from the bureaus and my scores have jumped up but i still cant get into Credit Check Total. The loan officer is not really stressing that I be able to get into it but my realtor/ advisor is. I like for things to go smooth and hate it when things get off course. Any ideas, comments, suggestions or advice? I'm due to close November 8th and and with the help of this website I'm ready on all fronts, finances, debt to income ratio, and etc. I'm not going to close late because of a seemingly small hiccup such as this. Some one please help either with the advice of another website that has daily pulls, or how I can get back into CCT. I asked a couple of the reps at CCT to "delete " my old information and let me start a new file but they said ths wasnt possible. How was I able to be a member in June and cant get in now? i know this is a lot of information but a problem such as this you have to be specific. Thank You in advance guys.
09-21-2013 08:19 PM
09-21-2013 08:46 PM
Thanks for taking the time to reply canny,yea but the thing is i need my scores. the deletes have alredy happened and i have gotten written confirmation from equifax and experian, im waiting on transunion, they should be arriving within the next couple of days, i think just by getting these delete reports that im entitled to another report but the scores are what i need and the ability to be able to pull them more than once i guess, according to my realtor/advisor.?tThanks again for your response.
09-22-2013 12:51 AM
09-22-2013 02:25 AM
thanks for the reply sr383. im about to close on a house and i have been instructed not to open any more lines of credit, so thats why i cant "get the right credit card" to get an idea of how im doing , plus i dont think they can write a loan based on a "general idea" of how my scores are trending. i know they are upwards of 700, but my realtor/advisor has recommended i re-enroll. but your idea of buying more fico scores is good , long as its only once i guess. thanks for taking the time to reply. its an usda loan so i guess as long as im over 640 it doesnt matter where the scores are right, so i guess i can buy my scores once, then go to the loan office. this is my first time going through this process so im learning a lot about the steps from this website.
09-22-2013 05:35 AM
09-22-2013 10:06 AM
09-22-2013 03:07 PM
no other website sells fico scores..... they are fako scores.
myfico is the place to order your reports.
09-22-2013 04:22 PM
Thanks for taking the time to reply Dallasloanguy, thats what im gonna do this week; (1) wait on my deletes from transunion. (2)pull my fico scores from this website. (3) go see my loan officer with the results. (4) Call my realtor/advisor. Thanks for the advice and being accessible. It means a lot .
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