Why is it when you pull your own credit score it is higher than the one your real estate agent pulls? I pull mine directly from the bureaus website, my agent uses some company there is over a 40 point difference. According to my records I raised my score over 50 points from Sept. 5 to Oct 3, my agents came back the same as hers did last month. This is frustrating. Also what is a rapid rescore?? Also, if you ask me to e-mail you, please make sure you have an e-mail address on file that I can find. Thanks :)
2006-10-18 16:40:04 · 4 answers · asked by NETTA M 3 in Business & Finance ➔ Credit
We both pulled Transunion, and I wrote letters and disputed things that were wrong, I'm keeping a folder with the print outs of my scores, because my agent didn't believe me either. Until she pulled her own at work, then went home tonight and pulled one directly from the bureau. She just e-mailed me and told me I was right, there is a difference.
2006-10-18 17:10:29 · update #1
It has to do with the type of credit being pulled. There are three different scoring models: consumer, auto, and mortgage. Each puts different weight on different obligations. The consumer credit that you pull yourself will always be higher than the ones an auto dealership or mortgage company pulls.
Why can't your loan officer explain it to you? If he/she can't, maybe you should consider using a more knowledgeable and experienced loan officer...
Rick
www.primelendingonline.com
2006-10-18 18:19:23 · answer #1 · answered by Anonymous · 1⤊ 0⤋
As a broker I can tell you a few things; first, when you pulled your own score and when your agent pulled it you may have been pulling from different credit bureaus. There are 3. Also, in my office, we only use two out of the three scores. Usually to be honest, the two lowest. Also, in most cases, credit reports for mortgages cover the last 10 years, not the last 7. I am not certain how in the world anyone could raise their score 50 points in such a short time. Good Luck on getting your mortgage!!
2006-10-18 16:49:23 · answer #2 · answered by Shawn 4 · 0⤊ 0⤋
Because each time U go into your credit score or anyone for that matter your score goes down except 4 the agent believe me I know been though this before.You must be paying your bills on time to get it raised so keep doing what your doing the higher the score the better it gets 4 U at the closing.Good Luck
2006-10-18 16:49:18 · answer #3 · answered by sugarbdp1 6 · 0⤊ 0⤋
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2016-11-23 18:53:56 · answer #4 · answered by kullas 4 · 0⤊ 0⤋