Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Posted in Mortgage
quicken is reporting a 'dispute on TU and have denied my loan. TU says there are no disputes! HELP!
My current scores are EQ - 621, TU - 620, EF - 605. Quicken loans is reporting that there is a dispute on an account on my TU report. When I call TU at 1-800-916-8800 I am told that there are no disputes on any accounts. I am in a vicious cycle and cannot afford to have TU thrown out of underwriting, as my EF score is not >620 and will not qualify. Please help! I dont know what to do!!!!
Profile Image

Question By
bigmelmac

1 Contribution
0 People Helped
All Responses
Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

I know, I know! The original plan was to wait til the end of the year to build my credit history and score up, but I found a property that was perfect and jumped on it!

Quicken uses Credco / Credstar to pull reports. They are telling me that TU is reporting two profiles with different versions of my name. One with an (s) and one without. The version with an (s) has the dispute attached. TU is telling me they have no record of this file. When I pull my report, I do not see the alternate name versions either! How is Credco seeing this when I am not?

Also, if anyone knows other lenders that will work with a 620 mid score for an FHA loan, please let me know.

Response by
bigmelmac

1 Contribution
0 People Helped

Man you are really cutting it close. I think a mid score of 620 is the bare minimum for a conforming loan. Go pull your report from AnnualCreditReport.com. Someone is right and the reports will tell you. 

Top Contributor

Response by
hardeight

1739 Contributions
921 People Helped
Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Reply to this Question

Write your response:

Enter Your Comments
Submit to the Community