Here's a dirty little secret that THEY don't tell you....
When you buy your credit score online, it might be worthless. Did you know that the FICO scoring model is secret? Just like the formula for Coca Cola, it's the real thing.
The only way to REALLY know the credit scores your lender will use is to get a coyp of your report from your Mortgage Broker (hopefully, that's me!).
When I pull your credit, it's the real deal. The licensed score I pull and pay for is the actual score calculated by the secret credit scoring computer. Not like some cheap Rolex knock-off you find at a New York street vendor.
If you want to repair your credit, make sure that you start with a real credit report.
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