https://ficoforums.myfico.com/t5/Mortgage-Loans/Need-advice/m-p/4744987#M198399 May hurt because you can't have had late payments within the last 12 months Sun, 11 Sep 2016 21:56:46 GMT Anonymous 2016-09-11T21:56:46Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Need-advice/m-p/4744309#M198381 <P>I need advice, I am pre approved for a rural development mortgage loan, with a median 648 score, I went under contract. After 10 days of being under contract my score went down 13 points. Is this going to have a huge effect on the final decision of my mortgage loan? Under immense amount of stress</P><P>&nbsp;</P> Sun, 11 Sep 2016 01:02:54 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Need-advice/m-p/4744309#M198381 Anonymous 2016-09-11T01:02:54Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Need-advice/m-p/4744618#M198382 Why the score decrease? Sun, 11 Sep 2016 13:00:09 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Need-advice/m-p/4744618#M198382 Anonymous 2016-09-11T13:00:09Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Need-advice/m-p/4744722#M198386 I have a a credit card that said I was late, I disputed it with all three credit unions, and they took it off, but after 2 months Trans union put it back on my credit dropping my on time payments from 100% to 99% Sun, 11 Sep 2016 16:02:03 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Need-advice/m-p/4744722#M198386 Anonymous 2016-09-11T16:02:03Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Need-advice/m-p/4744987#M198399 May hurt because you can't have had late payments within the last 12 months Sun, 11 Sep 2016 21:56:46 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Need-advice/m-p/4744987#M198399 Anonymous 2016-09-11T21:56:46Z