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my credit score doesn't make sense?
last week i applied for a homeloan then the loan officer pulled my score it was 527 he said if i have 580 he will give me a fha loan because i have little debt, anyways he advised me to dispute some of the old past due account that already been closed, i did so and yesterday i checked my score and it became 551 ... does it work that fast? i disputed amex and macys account and got resolved back in 2 days from the experia so.. if i keep on disputing will it help?
ok i left out some items, the credit score of 527 that i got was from the lender , he gave me a copy as well , after i dispute 2 things on my record he pulled it again and this time he pulled all three
the one that was 527 ( fico risk score ) went up to 551 and the other 2 were all in 550s as well, this is what i don't get, because i disputed through experia the day he asked me too and that time my credit score on experia is 517 so i am now confuse as to wth is going on, the loan officer said wow ur really close if you are 580 we will give u a loan , though many company require 640 but this company even gave loan to this guy who were in 540 ish because he has no debt , i have no debt as well just terrible credit , my income is about 4000 a month and i only have 3 credit cards with balance lower than 40 % so he said they aren't too strict about this case
1 個解答
- bdancer222Lv 71 十年前最愛解答
Your loan officer gave you some pretty bad advice. It is very likely that those legitimate derogatory items will be showing back up on your credit report when the creditor next updates. Typically mortgage lenders pull credit reports several times, including right before closing. Those "dispute everything and hope it falls thru the crack" credit repair methods could very well bite you.
If you send a lot of disputes for legitimate derogatory items, you may get tagged by the credit bureaus and you will have problems in the future getting real errors corrected. Not a good idea to keep sending a bunch of disputes.
There are many different types of scores. Creditors use FICO (scale 300 to 850). If you pulled a score from the Experian site, you got a Vantage score (scale 500 to 990). A 551 Vantage score would actually be worse than a 527 FICO. If you got that score from a third party monitoring service, it's a fakko score -- different formula and could be 100 point different than FICO.
BUT there's one more factor. There are three different types of reports/FICO scores for each credit bureau. The consumer version that you get, one weighed for car loans, and one weighed for mortgages. The mortgage version scores tend to be lower than the consumer version.
I am also surprised that this loan officer promised a FHA loan with a 580 FICO. Typically you need at least 620, a clean credit report, low debt to income ratio, and minimum 2 year stable work history.
資料來源： BD
