Inquiries

[Anonymous]

I have scores of

TU 630

EQ 618

EX 618

I only need 2 points to qualify for my mortgage can any of these inquiries be holding me back the two points I need?

I looked for a home loan last summer in july 08 was delcined then decided to work on credit and reapply. Here are my inquiries for TU and EQ

TU

March 27, 2009 Firstunitedban/datafacts

February 26, 2009 Firstunitedban/datafacts

January 29, 2009 Firstunitedban/datafacts

September 27, 2008 Gemb/paypal

July 29, 2008 Firstmortgageco/Usc

July 18, 2008 Cmh Homes

July 8 2008 Quickenloansinc/credsta

July 7, 2008 21st Mortgage Corp

EQ

March 27, 2009 Datafact

February 26, 2009 Datafact

January 29, 2009 Datafact

July 29, 2008 Usc

July 17, 2008 Fac-Scm

July 12, 2008 Gemb/Walma

July 8, 2008 Credstar

May 13, 2008 Gemb

[Anonymous]

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Yondarea wrote:

I have scores of

TU 630

EQ 618

EX 618

Where did these scores come from?

I only need 2 points to qualify for my mortgage can any of these inquiries be holding me back the two points I need?

I looked for a home loan last summer in july 08 was delcined then decided to work on credit and reapply. Here are my inquiries for TU and EQ

TU

March 27, 2009 Firstunitedban/datafacts

February 26, 2009 Firstunitedban/datafacts

January 29, 2009 Firstunitedban/datafacts

September 27, 2008 Gemb/paypal

July 29, 2008 Firstmortgageco/Usc

July 18, 2008 Cmh Homes

July 8 2008 Quickenloansinc/credsta

July 7, 2008 21st Mortgage Corp

Those should all be counted as just 1 inquiry.

EQ

March 27, 2009 Datafact

February 26, 2009 Datafact

January 29, 2009 Datafact

July 29, 2008 Usc

July 17, 2008 Fac-Scm

July 12, 2008 Gemb/Walma

July 8, 2008 Credstar

May 13, 2008 Gemb

All those should be counted as 1 inquiry.

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I won't say it isn't possible that these inquiries are costing you 2 points.

After 1 year, they won't affect you at all.

Do you have any revolving balances? Paying those down might get you well over your mark.

[Anonymous]

TU and EQ are Fico scores from myfico

EX is from my mortgage banker who told me my fico on EX.

I have two credit cards One is very low a $100 CL that is showing as $118 balance but is truly a $0 Balance just has not updated yet and was open in october 08 and has been paid on time every month. 

The other is a sears card which I am an authorized user it is my mothers account has a $8500 credit limit and a $1650 balance it has been open since 1993 and has never had a late payment.

[Anonymous]

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Yondarea wrote:

TU and EQ are Fico scores from myfico

EX is from my mortgage banker who told me my fico on EX.

I have two credit cards One is very low a $100 CL that is showing as $118 balance but is truly a $0 Balance just has not updated yet and was open in october 08 and has been paid on time every month. 

The other is a sears card which I am an authorized user it is my mothers account has a $8500 credit limit and a $1650 balance it has been open since 1993 and has never had a late payment.

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When that CC updates to $0 from $118, you'll likely see an increase.