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Hello Credit Boards, I recently came across a house that sparked my interest in buying a home about 6 months earlier them I intended. It is a foreclosure up for auction at a ridiculous price. So I went to Chase bank to sit with a pre-qualifier. They pulled my credit report and the score I saw on Free Credit Score .com was very different. While my Kroll report numbers were different and my consumer online KROLL : Trans: 637 Equifax: 602 and Experian: 551 FCR : Trans: 595 Equifax: 629 and Experian: 629 All this with 91% credit used and only one collection or less then $500 which can be paid off in 30 days. So my Journey begins. I paid off my Credit Card within 95% of the balance. it is 6/13 and my balance is reported to the credit bureaus between 6/15 - 6/20. Consumer reports say that will boost my score 20- 30 points. This may help the middle range to get up to 640 or higher which is the standard for FHA, Chase and other Loan companies. Being that there is that 30 day window where you can go to as many mortgage brokers as you can without it looking so bad on your FICO score. Given my situation: 1- Should I go shopping like crazy for a Mortgage being I have had one pull done already? 2- Being that the numbers are so different will the Kroll numbers be different within 30 days? meaning do they change rapidly? 3- Is there a change with this timeing game and numbers game to get pre-qualified in time for the auction 6/30? (I don't know how auctions work) 4- would it be best to go back to my 6 month plan and look at the end of the year? but then all my mortgage inquiries will show on my report...? SMH 5 - DO I shop like crazy for a house and mortgage since i know it is not that bad and I just have to find the right program/broker to work with. Help me I know a lot but I am having trouble putting the pieces together. D~