Hi Folks: First, thank you for all the insight I have gotten on this forum. It is awesome. Need some guidance here. I am in the process of purchasing a home (hopefully) and have run into a problem. I have been told that the lender ran a cr and could only pull 1 out of the 3 cra's. I was told that because of lack of recent active credit, they could not get a score. When I spoke with one of the cra (exp), they told me that they should be able to pull since we do have a score. The other (tu) never pulls, although I have been verbally told there is a score. Has anyone ever come across this problem and how did you handle it? Thank you.
Have you run your PG? I'd take a look at that and see what it says if you haven't. There are some lenders that will take one score or no score. Ya pay for it though What is your score? Are you buying by yourself? Is there someone that can "lend you a tradeline"?
Say your mom has a good trade line (over 2,500 and 2 years old) they add you as a user...itt will report like you have had it the whole time. You can also add tradelines like cell phones, utilities (providing they were good lines).
