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I am doing a rapid rescore this week and we aren't even going to bother with EQ because of how off balanced they are with the other CRAs.
how much is that running you?
It is expensive but my lending officer is paying for it, not us. It is $50per tradeline per CRA. I have 7 cards that I payed off times 2 (TU and EX), so $700!!
Bedcreditben, I noticed that you said it costs $90 per tradeline.... You may want to find a new LO, as they are clearly marking it up. CRA's charge $50... And mine is paying for it, not us. We only need a midscore of 620 and my scores are EQ531, TU589, and EX603, so we aren't even going to bother with EQ...
WOW, wait, how is he paying for it? lol... and who is he working with?!?! i want to go with them,!!!! LOL
EDIT:
Our lender also told us that we only need a 600, but will require manual underwriting ...
ps - it was 30$ per item, per cra.....
The LO is paying for it. We can't order a RR, only a LO can. $30 is what your LO pays, or what you pay? Ours said that she is charge $50 for the RR. Our LO said that she never ever sees an FHA for under 620. She said that banks will say they do, but they always fall apart in underwritting. I have seen a few people on here who say that they have closed with less than 620, but she said she has never seen it. She was with Well Fargo Special for 12 years and now has her own office.
Weird mine is a WellsFargo person too!
What in the world!!!!
And that 30$ PER Trade Line PER CRA was what we would have paid......
I think it is so personalized, who really knows!! We are fortunate that we don't have to pay for it at all. She isn't charging us!
my TU is the lowest.... what in the worl.d can i do? EQ is such a pain to work with.