Middle score, but all 3 reports?

thankfulheart — Wed, 09 Nov 2011 05:04:16 GMT

I know the lender looks at the middle score, but do they pull and review all 3 reports? I can't seem to get EX to budge on ANTYHING, including reporting 2 SSNs that are not mine. Names are all over the place as are addresses. Forget disputing anything at this point.

Will the lender pull all 3 and still see the nasties on EX or will they only look at the cleaner, middle report? If the DO look at all 3, will they take into account that EX can't pull their heads out of their hineys long enough to even get the basics right, so how can the rest be reliable?

Re: Middle score, but all 3 reports?

Anonymous — Wed, 09 Nov 2011 13:24:28 GMT

Yes, they pull all three reports in order to find your middle score.

Re: Middle score, but all 3 reports?

RW771 — Wed, 09 Nov 2011 14:30:18 GMT

@thankfulheart wrote:
I know the lender looks at the middle score, but do they pull and review all 3 reports? I can't seem to get EX to budge on ANTYHING, including reporting 2 SSNs that are not mine. Names are all over the place as are addresses. Forget disputing anything at this point.

Will the lender pull all 3 and still see the nasties on EX or will they only look at the cleaner, middle report? If the DO look at all 3, will they take into account that EX can't pull their heads out of their hineys long enough to even get the basics right, so how can the rest be reliable?

My lender pulled some sort of consolidated report which had everything condensed from all 3 reports into 1, with all 3 scores on the front page. Since my scores were well above the minimum they required, I think he just skimmed through making sure there wasn't anything that would raise a red flag (major delinquencies, unpaid collections, etc). I'd just explain to your LO that you have been disputing the inaccuracies on your CR and any proof you can provide would help your case. I'd bring copies of letters/emails/online disputes you've sent or initiated and proof of any accounts you claim are reporting inaccurately. Sometimes lenders will take these things into consideration, but only if you have sufficient proof of what you're claiming.

Best of luck! Keep working on getting EX to get after those disputes...they have 30-45 days after a dispute is initiated to validate, otherwise they're supposed to delete it completely.

topic Re: Middle score, but all 3 reports? in Mortgage Loans

Middle score, but all 3 reports?

Re: Middle score, but all 3 reports?

Re: Middle score, but all 3 reports?