DESPERATE PLEASE HELP! 76 Point drop with no changes in report
Hi everyone, I am in desperate need, I am about to close on a home and am desperate for some help or answers or guidance any and all of the above, PLEASE!!! Two months a go the lender pulled my credit score, 674 was my middle score he pulled. Today, two months later the score dropped by 76 points. Nothing has changed, I don't he new inquiries, nor was I late on anything. THe only change was that I lost a credit card last month and requested a new one from HSBC. Please help, what can I do, I am going to loose the loan :-( I am desperate.
Categories: General Credit Tags: credit-card, credit-score, help-or-answers, Lender, loose-the-loan, middle, middle-score, new-inquiries, only-change, score
How can I increase my credit scores?
I'll try not to make this post too long. My husband and I are looking to buy a house at the end of this year. With our scores now, we got pre-approved for FHA loan. When the lender pulled my report, one score was 712 (efx) and the other two were 672 (xpn) and 681(tuc). I have 4 major credit (barclays, b of a, dillards amex, cu) cards and 3 store cards (macys, kays, old navy, 4 if u count dillards again). I have low balances on my CU card, kays, and old navy card. My barclays card, macys card have pretty high balances and the amex is in the middle. The only other things I have on my report are student loans and a car loan. I have never been late on anything. What can I do to increase my score?
Categories: General Credit Tags: barclays-card, count-dillards, dillards-amex, high-balances, Lender, major-credit, middle, report, score, scores, store-cards, student-loans, things
I feel like I have been scammed by Direct Buy, thier lender Beta Finance is harassing
I foolishly became a member of a consumer club called Direct Buy.
Categories: Mortgage Tags: 2500-membership, consumer-club, kept-sending, Lender, make-payments, membership, once-tried, the-lender, the-membership
Consumer Debt concern.
Hello my name is derek, I live in FL and i have about 25k in debt owed to 2 major CC companies. I have been a perfect consumer for last 10 years while accruing this debt and have NEVER been late on a single payment
Categories: Mortgage Tags: been-searching, cover-mortgage, credit-card, debt, Lender, more-frequent, Mortgage, Salary
Tri-score?
I have searched the forums and I can't find any info on a "Tri-score" credit pull. Not sure that's how it's spelled, or if it might just be some sort of code or shorthand that the lender at PNC bank used. I asked the mortgage loan guy which CRA they use and he said something that sounded like "Tri-score".
Categories: General Credit Tags: Cell, forums, guy-which, Lender, Mortgage, mortgage-loan, said-something, some-sort, the-forums, the-lender
Privacy
I gave my dad some of my general credit history so he could go to the bank's mortgage lender and ask a few questions if they would "forgive" some things on my report if I would provide proof that accounts weren't mine, paid in full on time (when shows a balance +lates on report) or past the SOL. Before you say anything, I'm already working on getting these items off my report, but as you know this takes time and we were trying to buy a house ASAP with a baby on the way. Anyway, this lender then does a hard pull on my credit report (without my permission) and proceeds to tell my father what my credit score is, and about other accounts that are showing up on my report
Categories: General Credit Tags: accounts-weren, already-working, Credit, credit-report, credit-score, full-on-time, General Credit, lates-on-report, Lender, mortgage-lender, permission, sounds-illegal
Lender dragged feet to let rate lock expired
I got a great rate locked, which was extended once. As we were getting near closing interest rates starting going up.
Categories: Mortgage Tags: clearance, closing, documents, does-it-make, interest-rates, Lender, Lending, Money, spend-the-money, starting-going
Variance scores in each of the 3 bureau’s "3-in-1" scores packages?
I basically just did ALL the "3 bureau report + score" from each bureau and myFico. Here are the results of each bureau's version of the 3 scores... ------------------------------------------------------------------------------------ Equifax::::::::::: Equifax 626 | Experian 570 | TransUnion 656 TransUnion::::::: Equifax 732 | Experian 688 | TransUnion 756 Experian::::::::::: Equifax 704 | Experian 729 | TransUnion 729 myFico:::::::::: Equifax 703 | Experian ???
Categories: General Credit Tags: bureau-credit, equifax, experian, Files, Lender, results, score-watch, side-scores, subtract-even, the-lender, trans, went-the-exact, wondering-now
How long do CRA’s take to rescore?
Some of you of you may have seen some questions I posed a few weeks ago about a mistake on my credit report delying my closing on a home. Long story short: Cap. One screwed up and my lender will not process my mortgage until it is off my report. Cap
Categories: General Credit Tags: Credit, does-it-take, Lender, Mortgage, score, some-questions, story-short, system-collects, take-the-cra, their-system
Categories: Mortgage Tags: application, appraisal, approval, close-on-time, conclusion, feel-as-though, Lender, lender-ordered, Lenders, Loan, loan application, loan lender, loan-officer, Money, potential, recourse, seller, situation, spent-the-money, underwriters, usda loan, usda program