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my fico 8 scores are 634, 620, 574
why are my mortgage lenders scores so different.
high 400's and 500's
i do have 18 collections my realtor told me not to mess with and just make sure i use and pay down my credit cards to bring my score up. its working for fico 8 but not for mortgage scores what is there i can do
What is your current utilization?
How old are the collections and how much total do you owe? The collections are killing you for sure. Do you have positive installment loan history?