As a customer how do I get all three credit scores if only one is reporting?

Deal Score0

the score is good, we just need the other two, how do I make them show up on the report? Young customer with shorter history. ANy ideas?
I am a mortgage broker so do not solicit me, I am trying to help a new customer and have not run into this before.

6 Comments
  1. Reply
    mazziatplay
    November 10, 2011 at 1:47 am

    I’m a mortgage banker and I just went through this. My client didn’t have enough history for the other two to make a determination of score. I did FHA and used alternative credit (electric comapny, cable company, gas company) to qualify them.

  2. Reply
    Joey
    November 10, 2011 at 2:24 am

    You can try contacting the other agencies. Usually when credit is run it’s only through one of the three, not all three unless you are monitoring your credit through a place like: http://www.identityguard.com

  3. Reply
    W. E
    November 10, 2011 at 2:28 am

    IF you pulled the credit, and one score showed up – that means “no credit established that is reporting to the other 2 agencies ” As a loan officer – Broker you should already know that. There are a few companies that will finance on the 1 score program – are you with them??? UNLESS WHEN YOU PULLED THE CREDIT, YOU CHOSE TO ONLY PULL ONE SCORE, IF THAT IS THE CASE, RE-PULL A TRI-MERGE CREDIT REPORT – TO GET ALL 3. you do not have to pull each seperately…..

    You can always add alternative credit – do you know how that is done -? Report yoiur clients current bills, cell phone, insurance etc – the credit reporting agency that you pull credit for – will do alternative score reporting – and some lenders will use that – Brush up on your knowledge of credit – or take a free class offered thru where you pull your credit. Goodl Luck

  4. Reply
    Dooberry
    November 10, 2011 at 2:50 am

    as a broker you should know that not all creditors report to all three bureaus. some to one or two, some report to all three. to boost his other scores or get them, try a different service provider like Credit Plus who can obtain all three reports and help with fixing credit issues. boost his score with alternative credits like utilities or cell phones.

  5. Reply
    drunkenoldman
    November 10, 2011 at 3:43 am

    This is a common problem with young people. They just don’t have any credit established. One option is for them to open up secured credit cards or add themselves on as an authorized user on a family members card. You can usually find out when opening these accounts when they will be reported to the credit bureaus. Other than that… you might want to try what the other person said, doing it unconventionally by using utillities as proof a payment history/credit.

  6. Reply
    peanut gallery
    November 10, 2011 at 4:07 am

    I have run into the same problem in our office & it takes a little creativity on the prt your clients. They need to call the creditors on thier report & explain to them they are buying or looking to refinance thier home. They need for them to report to the other agencies & remeber to tell your client to beg & plead & even be willing to talk to a supervisor. Many time compassion takes over & they can do it. It will take 3 weeks for this to update & the best way not to harm your clients credit by checking it again to see if it took affect is going to truecredit.com. This way it is a soft inquiry (self inquiry) & will not affect his scores. There he can check again & even file a dispute online to get the accounts to the reporting agencies. The other I was going to comment on if you have a really good relationship with your lender some will create some creativity on thier end to get your client approved. Hope this helps.

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