I recently removed several errors from my credit reports. I pooled my creidt reports on March 5, from all 3 bureaus and saw all the corrections are properly reflected on my credit reports.
I applied to refinance my mortgage and my loan officer pooled my credit reports and FICO scores on March 26. My FICO scores (TU 685, EX 696, EF 717) were lower than what I anticipated and I asked for copies. After close examination I realized that Transunion still had one of the errors that I have already fixed. However, I have a copy of the Transunion credit report from March 5 showing that particular error was removed.
I showed the loan officer the copy of my credit report from March 5 showing no negative entries. He said that it may take time for their system to get all the updates.
He said that I should do a rapid rescore to fix the problem. However, I don't feel it's fair to pay for a rapid rescore for something that is already fixed.
Another option is to wait couple weeks and then pool it again to see if the error is removed from their system, but I am afraid the inquiries will lower my score.
What would you recommend? Thanks.