I have been through a hard couple of years financially. I sold a business and carried a note for the buyer. After a couple of months he quit making payments to me all of the suppliers/creditors and the royalty payments to the national franchise. Anyway, I had to repo the business from him but it killed my credit because most of the business accounts that he didnt pay were still in my name ( I know, I shouldnt have done this, but he was supposedly a good friend).
After a few months of challenging my credit report and paying my debts on time, I pulled a credit report on me and my wife. The scores were still low, but good enough that we could finally buy a house to live in. After I went to the mortgage company and applied for the loan, they pulled thier own credit report and the scores were substatially lower.
These reports were pulled less than 2 weeks apart and from what I can see, there isnt anything different in them other than the scores.
How can theses score, from the same 3 reporting agencies, be so different between my report and the one the mortgage company pulled?
Maybe some of you mortgage people out there can help me???