You can try to contact both of them directly. The good thing from what you had stated is that you have up to 18 months from buying your pool. Is there anything that you can do to bring your FICO scores up? Even though there are multiple scoring models, they all have one thing in common, that you can do to bring the lower 710 score up.
1. On your revolving accounts (credit cards)-leave a utilization percentage below 5% (optimal would be at 1%). If you have two or more cards, only have the small balance on one credit card. The rest need to be at a zero balance.
2. No more hard inquiries. Do not apply for any new credit.
3. If you have any existing hard inquiries on your credit report, make sure they either age past 12 months or are deleted after 2 years.
4. On installment loans (personal, auto, student)-bring the utilization balance down but do not payoff the loan. An open installment trade line with an open revolving trade line (both having small balances) will help give you the most optimal FICO scoring points.
5. Allow the average account age to increase which helps as well.
If you do all of that 1-5, then regardless of what FICO scoring model is being used you will see an increase. To what the new score depends on what else is on your report.
To give you a better idea, go to the FICO score estimator from the Myfico website. Play around with the answers to each questions. Make sure that you are realistic and honest with each questions. This will help give you a better understanding.
https://www.myfico.com/fico-credit-score-estimator/estimator
