Recap: Need to get my middle score to 620 to be able to use down payment assistance on an FHA loan. I started with a mid score at 555'ish (it was 567 FICO 4, which means it was definitely lower on FICO 8) on May 17. Eek. I've been hovering at 590 mid (EQ) with TU at 580 in FICO 8.
A TON of stuff has come off and FICO 8 isn't moving. It's been super frustrating because this is really big stuff (just got a judgment off, for instance... I think they did an EE since it was set to expire 7/3 anyway) like a judgment, tons of collections deleted, yet the score won't move. The super bad stuff was a ton (like 30) late payments on student loans that have all since been discharged for disability. Basically they were on forebearance, I thought they were still on but they weren't, I moved and got a new phone number during a divorce and then I found out a solid year later and got them back on forebearance but daaaaang the black marks. None of the SL companies would do anything and I gave up hope.
But tonight I pulled a TU credit report just to see if the judgment coming off did anything. No change to FICO 8 but all the other scores moved... including FICO 4 for mortgage lending, which is now a 640!!!! That's the exact same score my mortgage lender pulls. I can't believe it!! I don't know why FICO 8 is so different from FICO 4, and I won't quite believe it until my lender confirms it, but for now I'm going to hope for the best. So far, her pulls have matched the mortgage scores here 100% so fingers crossed this is the case and I can finally get my approval and buy my house before my lease expires in mid-August!!
