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No credit report at Experian - What will this do?

Started by BnkRptLsr , Jun 18 2003 07:50 PM

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1 reply to this topic

#1 BnkRptLsr

BnkRptLsr
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Posted 18 June 2003 - 07:50 PM

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?

#2 fla-tan

fla-tan
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Posted 18 June 2003 - 10:49 PM

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
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