Perhaps up until this point you've been working alone. You've been tackling the task of getting your credit cleaned up. I suggest if you haven't by now, to enlist the help of your mortgage broker.
Allow the mortgage broker to go ahead & pull your a trimerger or a full credit report from each of the three major credit bureau. The report may or may not be identical to the one you have access to. However the one thing you don't want to do is to wait until the last minute to allow your lender to pull your credit. You and your lender will have an opportunity to catch any item that may keep you from getting the house (or car) you desire.
Finally break down the results in to long-term & short term. The lender also may have access to Rapid Rescore or similar programs that will have your report and credit score updated within a day or two after you complete all credit boosting techniques.
Mortgage brokers are a good idea, as they make more money creating clients than finding clients in this way
ReplyDelete