Well, it only brought my Equifax up by 21 points, to 610. I thought that meant we wouldn't qualify for sure because I thought for sure Equifax would be my highest or middle. The last time I pulled all three scores , it was the highest (but they were all very close) and since then no negatives have been added to Equifax and the other two have a CA that isn't reporting to Equifax (recently pulled other two reports without scores), but I decided to go ahead an apply anyway and see what happens. Good thing I didn't just give up, the lender just called and Equifax is my low at 610 with the other two at 638 and 658, not sure how, but it means my middle is 638 and we qualify for FHA!!! Doesn't make any logical sense, but I'll take it!