credit score is 620-630 but my mortage said when he checked is 595 i have 2 30 days late but y it different?

Answer 1

Mortgage companies pull all three bureaus and throw out the low and the high scores and base their decision on the middle one.

Add this to the fact that they pull whats called a "factual" bureau and he got different information then you did.

And it also could have been as simple as the bureaus updated in between the time you looked at it and when they did.

Answer 2

depending on the time gap between when YOU checked and he checked, and when the bureaus updated your files, your late payments obviously brought your score down.

If your credit file recorded late lyaments in error, then simpy challenge it, If not it will take a few months to build back up. Good luck.

Answer 3

There are 3 different credit bureaus. Maybe he ran a different one than you.

Answer 4

every time someone checks a few points are knocked off.