Question:
I have a client which I'm doing a home loan for and when I pulled credit, it shows 4 credit scores instead of 3. There are 2 equifax scores showing with 2 different scores. Why is that and how can I get one of them removed? Thanks
Answers:
He has a split file, one was to big so they split it up. Don't listen to anybody else, this is what happened no matter what this horrid forum says.
There are multiple formulas out there to calculate a credit score. Some have better predictive value for certain types of loans than others. So what if Equifax calculates it two different ways and leaves it up to it's creditor customers to decide which score to use in their decision? Don't worry about it.
You can visit www.cashguru.info and find very useful tips and several articles on credit related matters.
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