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Was told by lender that I see more recent credit report than he does. True??????


pjfan
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Hi-

I am working with a mortgage lender and 3 wks ago they pulled my credit. I was not showing a score with EX but EQ was 647 and TU was 531.

EX told the lender that no score was due to no recent TL's open.

So I was added as an AU on some cards and opened my own.

Well now that they are reporting I have a TL on my account with a 5 yr history and my new TL as well. Myfico.com shows my scores as EQ 660 TU 567 EX 625. So now with the addition of the TL's I have a FICO score with EX of 625, my middle score :D

I called my broker with the great news...... He said that I am seeing a more recent updated report and he can not see the current report yet! How long does it take for him to be able to pull the updated report?:confused:

I need to get the ball rolling ASAP.

Thanks so much for your time and input.

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That is what I thought.

But his logic was that mine is a soft pull and his is a hard pull, so he does not have access to the same info I do on a soft pull??

How confusing.??? So is this guy is likely wrong?

He said he pulled a new report but it was not reported as another inquiry since he already pulled it 3 wks ago. (and I have no new inquiries.)

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Thanks Gary-

I know that is the problem, I want him to run it again now that I think my scores are high enough to qualify but if he can't see what I see then what is the point???

There is a home that was just drastically reduced and I want to try to get finaced for it right away. It won't last long:cry:

It is good your credit is going up.........xdancex

Be careful about running to many inquirys, that could reduce what you worked so hard to raise.......

Good Luck

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Tell him to contact Credco and tell them that he wants to run a new credit. As a protection to the consumers, there is a protection built in so that under normal circumstances the LO/broker can not run a lot of reports and accidently mess up someone's credit.

Charles

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Thanks Charles. This is what I told him too! Sheesh well he finally did get a new report. He was completely wrong!:roll:

We are now working with ACORN instead. we have our one on one meeting next week. I hope we can qualify through this program!

Tell him to contact Credco and tell them that he wants to run a new credit. As a protection to the consumers, there is a protection built in so that under normal circumstances the LO/broker can not run a lot of reports and accidently mess up someone's credit.

Charles

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