So I pulled the trigger on my refinance today....
Scores pulled were EX: 694 EQ: 693 TU: 748
The reason there is such a huge difference is because EX shows some inaccuracies:
1) a judgement which was filed in 2007 and dismissed in 2009 (credit reports it as "Satisfied",
2) shows a CC account opened May 2012 through June 2012 (this was my husbands account he added me as an AU and I haven't been able to get it removed even though I'm not an AU anymore)
3. CC balance of 3800/22k (current balance is 0)
4. CC balance of 1083/5k (current balance is $150)
EQ shows two collections that are not on either of my other reports.
In your guys experience, will my score jump above 720 by having the judgment removed and the CC account removed, and the other two accounts updated to show the correct balance?
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
My LO sent me the following message after I sent her copies of all of my information for the EX updates:
"Thanks! I have a contact at the credit bureau that can help us with this. I will get a hold of her."
Please wish me luck guys!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Does anyone know if they will have to pull my credit again before closing?
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!