Is There Something I Should Do?
11-28-2012 07:16 AM
Im looking to do some apping after the first of the year. EX is my strongest report and I will be focusing on lenders that pull Ex. I was reviewing m 3-in-1 FAKO's, and I noticed EX is calling my Mortgage an installment loan, while the other 2 are calling it a Real Estate Loan. My Ex report states I have no Real Estate loans.
My question is this, is this mis-categorization exclusive to the FAKO report, or is there a chance that a FICO EX report will have the same mis-categorization. IF so, am I correct to think that this issue could be costing me about 10 points, which could be vital as I think my EX FICO has the possibility of hitting the low 700's. Or is this something not worth disputing.
10/17/11 EQ-633, TU04-652, EX-681 All lender Pulls
12/21/2012 TU98-677 (39% Util)
01/21/2012 EQ - 661 (37% Util) SW Alert