I just got off the phone with Countrywide Mortgage for a refinance. Original rate 8.125%. She pulled my scores on a tri-merge while I waited. Here are my scores as of yesterday that I pulled online: EQ= 680 , EX 668, TU 601 Countrywide scores:EQ= 680, EX672, TU 649 She said prime was 650 and above! A+ She took the middle score for my loan and I qualified for 7.0% no point loan. I included my 2nd mortgage in the refinance. My original payments for 1 st & 2nd $1750 New payment is $1330...$420 a month savings. One issue though. I have 3 paid collections from 1996 for EQ I use the local affiliate CSC. She pulled my EQ from atl, Ga and it states all 3 are unpaid. How can this be?? I will try to find original paperwork to prove this but if i can't can I use the local EQ bureau to prove they were paid off?
