Mortgage lenders use a different calculating factor thus your score will vary from a car dealer, to the one you view from the bureaus directly. Your best bet is to sit down with a mortgage lender have them pull your credit. They will pull what is called a tri-merged report. Which is all three of the major bureaus. Experian, Equifax, and Trans Union. These are the scores that will be utilized to qualify you for a mortgage. If you need help improving your scores, my company offers guaranteed services. But I do suggest you get your credit pulled from a mortgage lender and have them provide you a copy of the entire report, not just the score disclosure.
Best of Luck;
CEO & SR Credit Repair Specialist at
Everlasting Credit Repair
Its risky for you to work with your credit because it is so easy to make a wrong move. So many times someone will do something for their credti like paying down an over due bill and actiually cause the score to drop. And there are so many other little changes that would seem to improve the credit but do not. An ethical experience loan officer who works for a lender that offers all of the loan types is your next step. Experienced loan officers work with credit every day and they have an incentive to help improve the score. The loan and their commission. I have watched and listen hundreds of times as they suggest small changes or requests and have the rating up in time for the loan to close.
The challange is to find the right loan officer and lender because the loan options will also improve your odds. You will find a few helpful articles at Your Road Home.com. Consultation Interviewing Loan Officers, and a number of articles about the various loan types available. Gather up all the objective information you can find before you interview a loan officer. After you have gatherd all your information you will find agents and loan officers from your area offering their services on Trulia. Trulia is also a good source of information.
Best of Luck, Stephen Webber