U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > Virginia > Northern Virginia
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 03-23-2019, 02:23 PM
 
1 posts, read 420 times
Reputation: 10

Advertisements

Hi! So my husband and I are in the process of buying a home. When they first pulled my credit it was 614 median score. The builder has a credit department that helps improve your score (need 640 for USDA) I paid off 2 cards, had a pay for delete collection (it was deleted) and paid one other thing that hasn't posted yet. So, on experian's website my scores are now 657 663 and 664 for the 3 bureaus. Today I pulled equifax off their website and that shows my 3 scores as 599 587 and 607!!!! How is that even POSSIBLE? It's all the same stuff on both credit reports that I see. Please someone tell me something is way off because how can all 3 scores be SO different on both sites!! I'm going crazy and I'm so upset! Thanks in advance.

Last edited by jessicalb34; 03-23-2019 at 02:41 PM..
Reply With Quote Quick reply to this message

 
Old 03-23-2019, 04:53 PM
 
Location: Virginia-Shenandoah Valley
6,555 posts, read 10,842,297 times
Reputation: 5563
Not sure this Virginia forum will be much help.
Reply With Quote Quick reply to this message
 
Old 03-23-2019, 06:02 PM
 
12,848 posts, read 6,163,208 times
Reputation: 10722
All I can say is that discrepancies in credit scores is common.

Take a look at this link:

https://www.moneyunder30.com/why-is-...g-where-i-look
Reply With Quote Quick reply to this message
 
Old 03-23-2019, 07:34 PM
 
Location: Southern New Hampshire
7,184 posts, read 12,577,443 times
Reputation: 21600
Quote:
Originally Posted by jessicalb34 View Post
Hi! So my husband and I are in the process of buying a home. When they first pulled my credit it was 614 median score. The builder has a credit department that helps improve your score (need 640 for USDA) I paid off 2 cards, had a pay for delete collection (it was deleted) and paid one other thing that hasn't posted yet. So, on experian's website my scores are now 657 663 and 664 for the 3 bureaus. Today I pulled equifax off their website and that shows my 3 scores as 599 587 and 607!!!! How is that even POSSIBLE? It's all the same stuff on both credit reports that I see. Please someone tell me something is way off because how can all 3 scores be SO different on both sites!! I'm going crazy and I'm so upset! Thanks in advance.
OP, sorry, but 614 is a pretty horrible score. (Not sure why you would even apply for a mortage when you know you have lots of negative info on your report?) So why are you trying to buy when you appear to have had RECENT credit problems? Could you possibly wait a year or two for your financial position to improve?

Oh, and you might get better answers in the Personal Finance forum (not a state-specific forum). Good luck to you!
Reply With Quote Quick reply to this message
 
Old 03-24-2019, 06:37 AM
 
2,728 posts, read 7,348,256 times
Reputation: 1060
You need to wait for the bureaus to get your information updated. Sounds like you also closed a few cards and your debt to available credit ratio went down.
Reply With Quote Quick reply to this message
 
Old 03-24-2019, 08:24 AM
 
Location: MID ATLANTIC
7,723 posts, read 18,519,853 times
Reputation: 8382
First, stop driving yourself crazy and trying to pull your own scores. Your lender (or whoever is assisting with this) needs to request a rapid rescore with precise documentation for the new scores to show up now. A rapid rescore is when the new (paid) data is sent to the bureaus and they re-examine and update the scores on the spot - turn time is usually 72 hours. If your construction completion is down the road, they (your lender) may let the scores adjust naturally. But seriously, your efforts are better spent making certain bills are paid on time and stashing away funds. New homes get real expensive after closing. Do not fall into the credit trap of financing everything for the home. If you cannot afford curtains or drapes, go to Lowes or HD and get the tempary paper shades. I remember 2 rooms in my home having those for about a year (or 2).
Reply With Quote Quick reply to this message
 
Old 03-24-2019, 08:26 AM
 
1,966 posts, read 1,165,771 times
Reputation: 1614
Why not use credit karma? I have a 802 and 797 for TransUnion and Experian...614? Mortgage? Bwahaha.
Reply With Quote Quick reply to this message
 
Old 03-24-2019, 08:32 AM
 
7,926 posts, read 9,639,531 times
Reputation: 13939
There are dozens of credit score calculators. What shows up on Credit Karma will be different than what shows up on Wells Fargo and different than what shows up on American Express. Even if they are all derived from Experian and Transunion.


And these will all be different than what the specific mortgage lender will use.
Reply With Quote Quick reply to this message
 
Old 03-24-2019, 08:36 AM
 
1,966 posts, read 1,165,771 times
Reputation: 1614
Mine were the same from Chase, and karma tells you when they were updated.
Reply With Quote Quick reply to this message
 
Old 03-24-2019, 08:52 AM
 
7,926 posts, read 9,639,531 times
Reputation: 13939
Quote:
Originally Posted by Hal Roach View Post
Mine were the same from Chase, and karma tells you when they were updated.

Every credit lender enters different criteria and weighting.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Options
X
Data:
Loading data...
Based on 2000-2016 data
Loading data...

123
Hide US histogram

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > Virginia > Northern Virginia
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top