- Joined
- Sep 14, 2008
- Messages
- 392
Hi all, does anyone else have a problem with excellent credit history but too many hits on profile possibly dragging down your fico score? I`ve got 7 hits this year and only have a refi and one new rental property to show for it.
Do banks notice if you have 3 hits in 2 days; do they recognize that its probably all for the same thing?
Is there a way to send along an explanation of credit profile? Or do the lenders look past the fico number and search through the profile anyways to see the gold behind the dross...
I`m the victim of trusting a transunion summary that was WOEFULLY out of date with a higher score listed than reality.... I just assumed it would be fairly trustworthy (guess i got what i deserved).
I`ve since switched to equifax which is much better, but not as rosy a picture.
I don`t know if it`s socially acceptable to post your fico score, but could anyone tell me if 709 is generally good enough to not cause red flags? (i understand lenders have different levels of acceptibility)
Do banks notice if you have 3 hits in 2 days; do they recognize that its probably all for the same thing?
Is there a way to send along an explanation of credit profile? Or do the lenders look past the fico number and search through the profile anyways to see the gold behind the dross...
I`m the victim of trusting a transunion summary that was WOEFULLY out of date with a higher score listed than reality.... I just assumed it would be fairly trustworthy (guess i got what i deserved).
I`ve since switched to equifax which is much better, but not as rosy a picture.
I don`t know if it`s socially acceptable to post your fico score, but could anyone tell me if 709 is generally good enough to not cause red flags? (i understand lenders have different levels of acceptibility)