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I need to fix my credit score, can i adjust the middle score by contacting that bureau?

Do i have to adjust all three or can i adjust the one with the middle score. Does it work like that? by antoniojrramirez44 from Colorado Springs, Colorado. Aug 21st 2013 Reply


Adrielle Edwards (AdrielleEdwards)
#902 ranked lender in California - 96 contributions

It is possible but then your high score may become your middle score. Generally, however, you will want to improve all your scores.

Aug 21st 2013
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David Hosterman NMLS 220562 (dhosterman)
#11 ranked lender in Colorado - 26 contributions

I would be more than happy to give you some insight on how to do this. Our company works with our credit vendor to get this done all the time. It typically takes about 3 - 5 days once we get the necessary information. I have had customers get as much as 100 points added to their scores. Please feel free to reach out to me. Below is my contact information. Thanks and have a great day!David HostermanCastle & Cooke Mortgage, LLCO: 303-501-1401C: 720-260-9814dhosterman@castlecooke.comNMLS 220562

Aug 21st 2013
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You need to do the top 2. If your middle score goes up then the top score could become the middle. It depends on how much you need to raise it. Also I would go through a credit repair company or a lender so that you make sure to do the right things and be in a position to rapid rescore.Karen E. CloseEnvoy Mortgage303-483-7518

Aug 21st 2013
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We are local Colorado mortgage brokers. Check out our website at: www.coloradolenders.com The middle score is what is important but to improve your mid score you usually have to do something to increase all of them. Give us a call anytime at 303-578-9202

Aug 21st 2013
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Yes, at that time the high score may become the middle. So as long as that score works. Feel free to call me 303-906-3388 to talk. We can pull credit and do a what if scenario. best,Aaron

Aug 21st 2013
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Ernesto Marez (Ernesto)
#68 ranked lender in Maryland - 137 contributions

you need to review the credit report and decide which scores are the easiest to improve. Depending on your scores and credit history,it might only need to pay down a few accounts or increase the credit limits.without seeing your report it is hard to know, ask LO that pulled your credit , i am sure he can help you with it

Aug 21st 2013
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Barb Lanis (BarbLanis)
#69 ranked lender in Illinois - 679 contributions

You cannot "adjust" your score by simply contacting the bureau(s). You must provide documents to them to show that a negative event that they are reporting is incorrect. If you were truly late on a payment, have a valid collection account, or other accurate negative event - then it's accurate. Only errors in reporting can be corrected.

Aug 21st 2013
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Ken Burrows (mortgagesforamerica)
#19 ranked lender in Nevada - 572 contributions

Our credit company just launched www.IQualifier.com and they do exactly what you are looking for.

Aug 21st 2013
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Dave Metsker (DaveMetsker)
#35 ranked lender in Oregon - 2,318 contributions

You may dispute any errors to all 3 bureaus, and you may take steps to improve all your scores by paying down your credit cards to below 30% of the available credit.

Aug 21st 2013
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Jericho Cherry (Jerichocherry)
#54 ranked lender in Virginia - 1,107 contributions

If the middle score goes up higher than your top score, now your top score is your middle score .Also you must show documentation to prove any errors in your credit report.

Aug 21st 2013
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Jericho Cherry (Jerichocherry)
#54 ranked lender in Virginia - 1,107 contributions

It's always better to work on all three scores.

Aug 21st 2013
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Andrew Alfonso (CashCow)
#43 ranked lender in Florida - 271 contributions

Yes that's possible.

Aug 22nd 2013
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I need help in fixing credit.Thanks Susan

Feb 9th 2016
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