Understanding FICO® Scoring

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llecs
Posts: 31,430
Registered: ‎08-04-2007

Re: Lenders see different scores than consumers do

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‎10-20-2012 01:20 PM

kasage00 wrote:

I have a 770 EQ score but my TU and EX are around 600. I disputed  collection account on EX and got it deleted but it did not change my score any. I got all negative items offEQ but not off TU or EX (which is why my EQ is so much higher.) on TU and EX I have some negative items such as charged off credit cards that are about 3 years old. My only active account is my current mortgage and my student loan. I was never late with either one. I am seeking a HARP loan (I meet all the guidelines). Would my clean EQ score override the other two bad scores?

Your lender will still look at all 3 FICOs and factor in the middle of the 3.

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