@Anonymous wrote:
I signed up for Extra Credit on credit.com and all the mortgage scores for Equifax and TransUnion were >780 (couldn't see Experian, but the loan officer said they take the middle score). Will the lender really see something different than what I am seeing?
Nope! If you get your reports from annualcreditreport.com, credit.com, myfico.com, etc... you are seeing all the tradeline data that the lender will see.
And the services that provide actual mortgage scores (myfico.com, credit.com, experian.com) show you exactly the same scores the lender will see (assuming no report changes between the time you pull the report/score, and the time the lender does, of course...)
@Anonymous wrote:
I learned that a mortgage over $150,000 will trigger different credit reporting rules so will she see a lower score?
Nope. While it's true that legally speaking, a "full factual" report is allowed for loans over a certain amount... it just doesn't happen in practice. Don't worry even a little bit about that... if you can't see it on your reports anymore, neither can the lender.
Yes, there are smaller CRAs beyond the "big three" that can continue to report bogus data, but in practice that would only be used to find major unreported debts, liens, etc... and wouldn't affect your mortgage scores regardless.
@Anonymous wrote:
Should I risk asking her to pull it again? Thanks!
Go for it, there's no risk. But maybe also consider switching to a better-informed lender...
EQ8:850 TU8:850 EX8:850
EQ9:847 TU9:847 EX9:839
EQ5:797 TU4:807 EX2:813 - 2021-06-06
