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Rocket Mortgage said I have zero credit since my june Chap13 discharge. This was unexpected. Not only did i pay off two auto loans not included in the plan, but i opened a secure card for re-establishing and these reflect on the reports I monitor. I purchased credit monitoring services for Trans Union, Equinox, Experian and Fico, all reporting fair-good scores.
Did I purchase the wrong reports to monitor? How can I know where I truly stand with lenders? Should I give up for now on prequalifying? I don't want to ding my credit again if my score is truly zero.
What score is Rocket Mortgage using? Who does Rocket Mortgage pull reports from? Experian generates a FICO 2 mortgage score; TransUnion FICO 4; and Equifax a FICO 5.



















