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| Credit Report Ques #2 Mortgage vs Consumer Posted by Servedinafghanistan My Consumer Credit report went up 57 points in the last week but my Mortgage Report has not changed. Can I expect this report to change as well? The increased number change was due in part to credit card balance lowered and 3 hard inquirees going away. on 5/16 at 10:41 amReply • Back to Top |
| Never heard of a mortgage credit report Reply • Back to Top |
| This is a Mortgage Reply • Back to Top |
| How do you get it? Reply • Back to Top |
| I guess it is only pulled by a mortgage lender that is attached to your credit file. I was not aware of this until recently when I was shopping around for a home. Reply • Back to Top |
| a mortgage report is commonly called a tri-merged it is scored differently than a consumer report. you can expect your scores to go up but i would be surprised if they went up as much as they did on your consumer report. Reply • Back to Top |
quote: My wife's TU consumer credit report is 726, from MyFICO. Her tri-merged report (edited ... with weight on home mortgage loan) with TU is 796. Considerable difference, not really sure as to why. This post was edited on 5/17 at 4:03 pm Reply • Back to Top |
quote: I thought a tri-merged report was a combination of all 3 credit reports? Reply • Back to Top • Refresh |
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