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  • 678 Vs 680 Credit Score on a Conventional
    Hello,I got Pre-approved back in March for a conventional Mortgage. My middle score was 680 at the time.After the hard pull for the mortgage pre approval my score dropped two points to 678.I am in …
  • Explain This 8 Pt Loss….
    So according to EX, my score dropped 8 Pts on the 21st from the 20th. The "okay with me" change that has occurred is the fact that i guess a collection account has dropped off …
  • Drop in scores from 820 to 620 with late payments and one collections
    The late payments were due to autopay not kicking in (or so I thought) and I paid as soon as I received an alert from my credit monitoring.The collection: is for around 300 dollars due …
  • Who have YOU blacklisted?!
    So I have read countless threads on individuals being blacklisted due to charge offs and bankruptcy. There have been many reports that the creditor then might put you on a blacklist for "X" amount of …
  • What’s worse, old baddies or recently discharged BK?
    I keep seeing people who have recently gone through BK with higher scores than me.  I have a some 30 day lates that are all over a year and a half old, and I also have …
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