I have a 650 credit score, but its only reporting with one agency. 2 don't show enough to give a score, however what is there is good credit.

Asked by INFO, Dallas, TX Thu Jul 18, 2013

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Voices Member, , Dallas, TX
Thu Jul 18, 2013
I have several different lenders that works with only one score.. Feel free to contact me I will be happy to speak with you

Karen Roberts
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ryateslenders, Agent, Plano, TX
Tue Jul 30, 2013
Lenders base your credit on your middle score so it depends. Yes we could help you find a lender that works with all types of scores. Check us out.
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Voices Member, , Dallas, TX
Fri Jul 26, 2013
Per the guidelines DO NOT DISPUTE ANYTHING ... IF YOU DO THE UNDERWRITER WILL MAKE YOU PAY THE ITEM OR HAVE IT REMOVE.When you dispute any collection etc it does not give you a true credit score.. and it you have to remove it your score can go down..
I have lenders that will do the loan with one (1) score

if you need to talk just give me a call
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J, Agent, Greensboro, NC
Fri Jul 26, 2013
Your credit score is WAY better than most who have posted a similar question!

I can't imagine any lender having a problem with this. I say this because I spend fifteen plus years in the banking industry regarding commercial/residential lending and contracts. Good luck to you!
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I have spoken to several and they are all telling me that I must have 3 credit scores. It makes no sense to me. I went ahead and applied for a credit card and was approved and only spending 30% of my available credit, then paying it off hoping this will boost the other two scores. But I don't like having credit cards and prefer to pay cash (if I cant afford it, I shouldn't buy it). It seems its all a huge game. im wanting to buy the house that ive currently rented for 3 years (never late) for below market value which a mortgage payment would actually be less than ive been paying in rent.
Flag Fri Jul 26, 2013
lolecia, Home Buyer, Dallas, TX
Sun Jul 21, 2013
There are several things you can do to improve your credit:
1. dispute any wrong or misleading information on your report-but if you owe it, you need to pay it
2. contact Experian and let them know of wrong information - they report to the other agencies
3. create more credit: ask for increase on your credit limit on your credit cards
4. pay down existing credit cards -it's the amount of available, existing credit that helps your score increase.
5. Limit inquiries on your credit; if you are searching for a car loan - you can have multiple banks look at your credit within 14 days and it will only count as 1 inquiry - make sure that is reflected on your report as well.
6. Most banks will take the median score (not the average)

LoLecia Day, Med
Financial Educator
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Kenneth "Ken…, Agent, Dallas, TX
Fri Jul 19, 2013
As others have pointed out, the average your 3 scores and use the middle one. Talk with any lender of your choice and ask THEM what questions you have and what will be needed to get and buy what you are wanting to do. Then if you want to get a mortgage hire 1 Realtor to work for you in finding what you are needing.
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Susie Kay, Agent, Dallas, TX
Thu Jul 18, 2013
I would suggest talking to a lender. Let me know if you need a name or two or contact any of the lenders who responded to you below.

Susie Kay, Realtor®
United Real Estate
III Lincoln Centre, 5430 LBJ Freeway #280
Dallas, TX 78240


Servicing your real estate need is my priority!
0 votes
Diane Briggs, Agent, Irving, TX
Thu Jul 18, 2013
It's best to speak directly with a lender, to get a feel for your true credit background. And as stated by Maria, they consider so much more than just credit scores. It's definitely worth looking into!
I'd like to refer an excellent lender I've worked with numerous times, Tammie Mitchell of Home Team Mortgage. You can contact her office to get things rolling, her info is listed on http://www.TammieMitchell.com. Let me know if I can provide any further assistance!

Diane Briggs, REALTOR®
Asset Realty
(214) 289-0093
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Tommy Burris, Mortgage Broker Or Lender, Baton Rouge, LA
Thu Jul 18, 2013
One score isn't a problem.
We do those all of the time.

Tom Burris
Mortgage Banker
(214) 763-4629 cell/text/nights/weekends(Really!!)
Lending all across the entire Great State of Texas!!
NMLS# 335055
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134
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Jason Todd, Agent, Frisco, TX
Thu Jul 18, 2013
I have an excellent lender who has helped many people improve their credit score in a very short time. If you want to contact me I would be more than happy to pass along his information.

Jason Todd-214-458-4198

Web Reference:  http://ToddHomesForSale.com
0 votes
Don Groff, Agent, Austin, TX
Thu Jul 18, 2013

I broker with several companies capable of working with just one credit score. Because vendors typically report to only one or two of these vendors this can happen if you have limited credit.

If you would like to talk about this let me know. I am a mortgage broker and work at the wholesale level with over 15 different lenders so I can always get you the best deal and find ways to get difficult loans done.

Hope this helps.

Don Groff | REALTOR® & Mortgage Broker
Austin Real Estate Pros & 360 Lending Group
o 512.669.5599 | m 512.633.4157 | listings@dongroff.com
websites: http://www.AustinListed.com | http://www.360LendingGroup.com
0 votes
Jan Absolom, Agent, Dallas, TX
Thu Jul 18, 2013
I work with an excellent Lender here in Dallas, just give me a call
and I can give you his contact information.

Jan Absolom/JR Premier Properties
18170 Dallas Pkwy,
Suite 303
Dallas, TX. 75287

Web Reference:  http://janabsolom.com
0 votes
Maria Cipoll…, Agent, Coral Springs, FL
Thu Jul 18, 2013
All Lenders have regulations on what you need to provide during the application process and believe me, they will be looking at everything not only your credit score.

Your credit score is a number that is based on factors related to your credit spending, such as how long do you have those accounts and if you have payments on time. Lenders will be concern with your debt to income ratio, which is the amount of money you owed divided by the disposable income you have. And, more important, How much money you have in your account for down payment and closing costs.

Best of Luck,

Maria Cipollone

0 votes
Jacob Patton, Agent, Clarksville, TN
Thu Jul 18, 2013
My suggestion is to contact a reputable mortgage lender in your area. I can get you with a Keller Williams agent in your area. I know that the agent will have a list of lenders that they have trusted their clients with. The lender can prequalify you or tell you what you need to do in order to qualify. Feel free to shot me an email. My email is RealtorJacobPatton@yahoo.com

I hope this answered your question

Jacob Patton, REALTOR
Keller Williams Realty
1943-A Ft. Campbell Blvd
Clarksville, TN 37042
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