No credit report at Experian - What will this do?

[BnkRptLsr]

Well, I even tried myfico.com.

 

It seems that Experian is the only entity that can see my credit report. Which would be good, except that they are my BEST report (by far).

 

I want to buy a house.

 

TU = 580

EQ = 654

EX = 000 No Report / Failed Authentication

 

What will happen mortgage wise? I know they usually use the middle score. is 580 my middle score now?

[fla-tan]

Well, I even tried myfico.com.  

 

It seems that Experian is the only entity that can see my credit report.  Which would be good, except that they are my BEST report (by far).

 

I want to buy a house.

 

TU = 580

EQ = 654

EX = 000 No Report / Failed Authentication

 

What will happen mortgage wise?  I know they usually use the middle score.  is 580 my middle score now?

 

Bnk

 

Just because you are not able to pull an EX, doesn't mean that a mortgage company can't. However, in case they can't, then the lender will use the lower of 2 scores. In your case that means that the TU 580 will be used as the usable score. BTW, there are lenders that will go 100% with a 580 score.

 

Hope this helps.

 

 

fla-tan