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Established Contributor
Posts: 905
Registered: ‎05-09-2007
0

Re: Buying my first home...



juicy97 wrote:
I just signed up for truecredit.com.
 
My scores are
 
TU 599
Experian 525
Equifax 570
 
 


Disregard thh scores on TC they are Known as FAKOS... The ony scores that matter are FICO scores from MyFICO. They are the ones that will match up with your lender. The CRs are the reason you sign up for TC.
 
Look VERY long and VERY hard for ANY inaccuracies in the reports and start the dispute process.
 
Rob

 
Established Contributor
Posts: 905
Registered: ‎05-09-2007
0

Re: Buying my first home...

Use the information in this thread: Credit Scoring 101
 
 
And get on your way!
 
Welcome to the forums and Good Luck! Smiley Happy
 
Rob
New Member
Posts: 11
Registered: ‎07-27-2007
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Re: Buying my first home...

Thanks so much for your help & patience.  I really do appreciate you taking the time to help out a newbie!Smiley Wink
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New Member
Posts: 7
Registered: ‎07-27-2007
0

Re: Buying my first home...

I think the scoring system includes the dollar amounts that are reporting from collections and charge offs also as a part of your revolving credit.  As long as they remain unpaid they are a part of your debt ratio.  I figured this one out too.  Had similar reporting.
Ask for a PFD if they agree get it in writing, then send the payment.
 
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