Quote:Oh I watch my credit report like a hawk these days. When I started working in finance I opened my eyes to it. But still, it's ridiculous. And then mortgage companies use a different calculation than everyone else too.


It's just a shame that someone pays a couple grand, on time, only to see their score drop.

Keeping your credit right is a task for sure. I consolodated all of my credit cards into a low intesrest loan and my score went up some 60 points. 

 

As far as mortgage companies, we use the median of the 3 reporting agencies. There's nothing different there, however, they'll pick it apart and ask for a ton of explanations even for a bankruptcy from 9 years ago or a lte payment from forever ago. 

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