Zillow Advice: Credit Scores - Credit Report and scores http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ Zillow Advice | Zillow Real Estate rmAsk for a copy of the report ... http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ rm<br/><br/>Ask for a copy of the report and show it to another <a href="http://www.zillow.com/mortgage-rates/">loan</a> officer if you arent getting answers from current person.<br/>You could even call the <a href="http://www.zillow.com/mortgage-glossary/Credit-Report/">credit report</a> reseller yourself I believe.<br/><br/>I have a free e-book about credit and credit scoring should you need it.<br/><br/><!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:RelyOnVML/> <o:AllowPNG/> </o:OfficeDocumentSettings> </xml><![endif]--><!--[if gte mso 9]><xml> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="&#45;-"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> </xml><![endif]--><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-style-parent:""; line-height:115%; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-fareast-font-family:"Times New Roman";} </style> <![endif]--> <p class="MsoNormal">Tom Burris<br/>[content removed by Zillow, due to self promotion.&nbsp; Please refer to our <a href="http://www.zillow.com/howto/GoodNeighborPolicy.htm">Good Neighbor Policy</a> for details]</p> Sat, 21 Jan 2012 00:01:00 GMT http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ 2012-01-21T00:01:00Z some people dont have enough ... http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ some people dont have enough of a credit history to have 3 scores. If you fall into this category this is normal. If you don't, put a call into the credit reporting bureaus to see what is going on. Fri, 20 Jan 2012 23:34:00 GMT http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ 2012-01-20T23:34:00Z Sounds you have a security ... http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ Sounds you have a security freeze on the other bureau's.&nbsp; You need to contact those bureau's and get the security freeze lifted and have your credit repulled after you confirm this has been completed. Fri, 20 Jan 2012 22:21:00 GMT http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ 2012-01-20T22:21:00Z Sometimes when they run your ... http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ Sometimes when they run your credit score some of them may not show. This doesnt mean your credit is bad. Fri, 20 Jan 2012 21:26:00 GMT http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ 2012-01-20T21:26:00Z Good Afternoon. No, not all ... http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ Good Afternoon. No, not all <a href="http://www.zillow.com/directory/lenders/">mortgage companies</a> use the same credit reporting agencies.<br/><br/>In our company, we request from all three scores. However, if all three scores are below 620, then it only shows us the highest score. It saves us money ultimately. We could certainly get all three scores though from our credit company.<br/><br/>The only other times where only one score would be shown are - if the <a href="http://www.zillow.com/mortgage-rates/">loan</a> officer only requested one credit score (some companies do that to save money). OR if your creditors are not reporting to all three agencies. We have seen that in the past as well. Its more likely that the <a href="http://www.zillow.com/directory/lenders/">lender</a> did not pull all three scores, especially if you have seen a previous report with all three scores listed.<br/><br/>We do not charge an 'application fee' so if you would like another opinion or better feedback, feel free to give us a call.<br/><br/> Thu, 19 Jan 2012 18:17:00 GMT http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ 2012-01-19T18:17:00Z Either you don't have enough ... http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ Either you don't have enough credit or perhaps you may have put a block on with the other two bureaus (if you had some identity theft issues).&nbsp; Don't keep pulling your credit ask the company that pulled it to review it with you. <br/><br/>If they cant answer this, then suggest they have a conversation with their <a href="http://www.zillow.com/mortgage-glossary/Credit-Report/">credit report</a> provider for an explanation. Thu, 19 Jan 2012 15:04:00 GMT http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ 2012-01-19T15:04:00Z rmSo hard to tell what is ... http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ rm<br/><br/>So hard to tell what is going on. <br/>Did you see the report? Did they indeed pull all 3? Some <a href="http://www.zillow.com/directory/lenders/">lenders</a> pull one to save money.<br/>Did they call the company who pulls reports for them to see why 2 scores were blocked? So many <a href="http://www.zillow.com/mortgage-rates/">loan</a> officers don't know what to do when problems arise in a file.<br/>Do you have a very young credit profile? Not a lot of accounts?<br/><br/>Not all companies go thru the same company. Thu, 19 Jan 2012 14:39:00 GMT http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ 2012-01-19T14:39:00Z [content removed by Zillow ... http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ [content removed by Zillow due to spam, please refer to our <a href="http://www.zillow.com/howto/GoodNeighborPolicy.htm">Good Neighbor Policy</a> for details]<br/><br/> Thu, 19 Jan 2012 03:59:00 GMT http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ 2012-01-19T03:59:00Z No, lenders do not all pull ... http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ No, <a href="http://www.zillow.com/directory/lenders/">lenders</a> do not all pull through the same company but whatever provider they use pull the data from all 3 bureaus. How deep is your credit, how many accounts are reporting and how many months have they been open? Thu, 19 Jan 2012 03:58:00 GMT http://www.zillow.com/advice-thread/Credit-Report-and-scores/429264/ 2012-01-19T03:58:00Z