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Hi everyone... first post so let me know if I miss any important details and thanks in advance. I'm in the process of applying for a mortgage with my wife for our first home. Her scores are good (787/792/794) but our joint application was denied because of my score as reported by CBC Innovis. They pegged me at: BEACON 5.0 SCORE +652 EFX01 CLASSIC 04 SCORE +688 TRU01 FAIR ISAAC SCORE 2 +661 XPN01 By contrast myFICO yields: Experian 709 Equifax 705 Transunion 704 We are moving to the San Francisco Bay Area (so expensive...) and are looking to qualify for mortgage above the conforming limits. The first lender we've spoken to used CBC and told us I would need a 700 to be approved. The major difference between the reports I can pull and the CBC report is a tax lien filed by the District of Columbia in 2005 (for the 1999 tax year). I had moved around a lot in the mid-2000s and didn't get the notice for this lien until 2010, when I paid it in full (around $3000). That lien doesn't show up in any of the reports I pull (from myFICO or from the the CRA websites). However, I have a copy of the CBC report, and it does show up there, with a LACT date of 01/2010. I guess that leaves me with two main questions: 1. Is there anything I can (realistically) do to convince CBC and/or the lender to discount this particular event? 2. Will other lenders use a report similar to the CBC report, such that no mortgage lender will view me as having a 700+ score? Any help on either of these questions very much appreciated.