For mortgage purposes, I need my middle score to be at 700. Right now my middle score is Experian at 699! The only reason it's not over 700 is because First Premier insists on verifying 2 30 day lates. The rest of my credit profile is great. %80 of available credit is not being used... My parents added me to their 25+ yr old AMEX, Chase and Citi cards. All with perfect histories and huge available balances. They have not yet shown up on my credit report. Any ideas for how I can get 1 point?
I would have your mortgage broker look at your score. My EX score was 5 pts higher than what was shown online and so was my TU. Online, my TU was the lowest at just over 600, but over 650 when the broker pulled!
The score you see for Experian is a consumer score. I think you can get the Experian fico at myfico.com now. Check there to get the score brokers would probably see.
