Hi all,
this is my second message.
My first one was a replay to fhis great post -
Now, this is my question-
My wife and I will try to go for the fist time house loan.
Both with good full time jobs, but her credit history is not so good.
She is FICO TU610 Eq614 Ex 587(why such a difference with same acaunts?) with some collestions(all paid off but one was recently added in Feb paid in full) and late paiments 30, 60, 120.....days( but nothing late for a more than a year), 3 cards paid and 2 at 40% charged.
Me FICO TU664 Eq655 Ex 651 with all @$0 on 4 Cards and less then 10 monts on car loan.
We decided to pull our reports andTU is reporting an inqurie on my wifes report(thas only TU inq) made by Active Credit Company that we did not initiated!
It's listed in hard inquries on our report.
TU is willing to remove it, but only if they get letter from company reporting inq.
I contacted company and they say they did pull CR.
I know they have right to pull our report, but why is listed as hard.
ACC company claims they do not have any letter for dispute, and lady I talked to me said it's the first time she heard about soft and hard pulls!!
How much this inq hurts her score and chance to get a good house loan?
Is it possible to adds some points in a month if she puts this month those 2 credit cards bellow 30%?
Thanks and God Bless you all!
Message Edited by cinoeye on
05-02-2007 06:24 PM