With regards to the inquiries the bureaus report two years of inquires. The lender may only want to see X number days often times there is a filter on what is shown. The ECOA code is on every lender credit report it varies on how the ECOA code is shown. The payment rating or the MOP ( mannor of payment) is on every credit report. Some times it shown as current or paid or a value of 1 in this case depending on the account. If the payment rating, ECOA were mssing it would very difficult to make underwriting decsion..
FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo
