Ok another question is that since there are 3 scores,i really dont know which score lenders are going to pull. I have my student loans on deferment for about another year and a half. I have only had 1 late payment back in january due to some bs. I have been working with a credit repair company to get some of the debts i payed off of my report that was promised by the creditors. I really dont want to allow lenders to pull my credit and lower my already damaged scores just to hear no. What should i do??