I’ve made a lot of progress over the past several months in rebuilding my credit, but all of it seems futile when lenders decide to use their own scoring system or use something other than FICO. Just talked to a lender and even though my EQ FICO score is currently at 617, they show it at 548. SO FRUSTRATING. Even though I know nothing has really changed, it feels like I just got kicked right back to square one. It sucks.
I don’t know, sorry for the rant. I just think it’s really difficult for consumers to rebuild their credit and improve credit scores if scores are all completely different, depending on which scoring model lenders are looking at. Gah. Back to the drawing board, I guess.