@JVille wrote:
What does your credit report look like, how is that loan reporting and what are your Mortgage Fico Scores (all parties in the loan) that is what really matters?
@JVille
Mortgage opened 10/2011
High balance $129628
Current balance $82809
Payment $851
Payment status on myFico credit reports: EQ Pays account as agreed/ TU Paid or paying as agreed/EX This is an account in good standing
Worst delinquency: EQ None reported/TU None reported/EX No update received
Two year payment history shows 100% paid on time/paid as agreed
FICO 8s and mortgage scores
EQ 666 mortgage score is 609
TU 665 mortgage score is 591
EX 656 mortgage score is 555
1 charge off of $412 1 year old, has been paid but not updated, I did get a confirmation letter from the bank.
1 paid collection of $67 over 1 year old
No lates on my mortgage for the past 2 years, no lates on 2 student loans, no lates on 1 personal loan.
2 Capital One credit cards 487/1000
One has been paid on time 100%, the other had 120 days late 5 months ago but has been on time since.
DTI is less than 25% new auto loan is not reporting but will bump up my DTI to about 31%, new Amex BCE is not reporting that has a SL of $1000.
Income $41000
Oldest credit line is 17 years, newest (before new Amex and auto loan) is 3 years.
I applied for HELOC through US Bank. Looks like they go by FICO 8 not mortgage scores.
