Quote:
Originally Posted by Qwerty
15 points is nothing and obviously you don't work with credit scores. Also, why are you getting a credit score from your "financial adviser" and where is he getting that score? Most lending institutions either use one company for their score or take the best score of the 3. If your credit score was good, you wouldn't have to worry about these things....
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From what I've seen, most lenders take the middle score, not the best of the three. Throw out the high and the low.
Otherwise, I agree. 15 points is nothing. My mom once pulled her 3 scores, and there was an 80 point difference because of something that was erroneously reported on 2 of the 3.
I look at a lot of credit reports at my job, and when people pull all 3 scores, I rarely see all the scores within 5 points of each other. I think a 15 point spread is more normal than a 5 point spread.
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