UPDATE!! The new lender ran my credit and also gave a rapid rescore plan that the system creates and it had me pay down my Cap 1 card bal to 856. And pay off my Grand pointe collection (106.00) the same day i also had a PIF medical collection deleted and my Transunion jumped back up to 700. Persistence pays off.
Current Ficos as of 01/2017 Equifax 640, Transunion 690 Experian 690 Mortgage middle score of 677
