lsjohns00 wrote:
Hello,
I will be trying for a VA loan close to the end of the year. I was wondering if they only look at the midscore report or if they merge all the information positive and negative on all reports? Just trying to get a head start on what to expect.
They typically pull all three reports and use the middle score for qualifying. They'll want explanations for any baddies from any of the three reports though.
FICO scores: 819 (EQ) 815 (EX) 803 (TU)
Amex Platinum NPSL - Citi HHonors Sig. $42k - BMW Ultimate $36k
Chase Sapphire Preferred $42k - Merrill Lynch + Signature $33k - USAA Rate Advantage $20k
NFCU Flagship Signature $33k - USAA Cash Rewards AMEX $20k
Citi Platinum Select / AAdvantage Signature $23k
