Hi, friends. Ohhhh man. This is so frustrating.
So Mr. gobliny-wonder and I have been thinking of buying a house for the last year or so. We've casually checked our credit scores on Mint.com and CreditKarma for the past year, and everything always looked fine: his was usually showing up at 750, close to mine (760). In Dec 2017, we opened a joint credit card, but that was our last "credity thing that we did". Otherwise we've always been paying things on time, haven't opened or closed any lines of credit, and keep our credit usage at about 20% (though he also uses his credit card for some big-ticket items like flights for work, etc - but he always pays off the entire balance every month). We have no other debts.
We just started talking to mortgage lenders and now they're saying Hubby's credit score is actually 680 - WOMP WOMP. Namely, Equifax says 680, TransUnion says 730, and Experian says "Unknown" because ??? We checked with Experian and he does *not* have a credit freeze on it... so WTF? The lender said he can't share the credit report he pulled with us (?!) - but that all the payments "look on time, and the only thing I'm seeing is a new credit card from Dec 2017". So WTF? Where does this 680 come from? We just tried pulling his three reports from www.annualcreditreport.com and got denied on all three of them - so we're flying blind, no idea what's on the report and no idea why his score suddenly dropped by ~50 points in a matter of days (since we _just_ checked our scores again on CreditKarma last week). Obviously, given this is kinda the ONE TIME we need our scores to be good - i.e. buying a house - this sucks and we're stressed.
What can we do? What SHOULD we do?! Why the f did his score drop like crazy?
Submitted August 30, 2018 at 07:52AM by gobliny-wonder https://ift.tt/2LElSNb
