I'm trying to get a mortgage pretty quick. VA loan. Long story short it's cheaper here to buy than rent and I'm about to be homeless because I currently rent from an ex who is a slumlord. I pay just the mortgage/tax/insurance on the house. He makes no profit.

Anyway. My kids grandma told me I should just look into getting a mortgage which I was going to plan for in like 2 years time.  But life happens and I am trying to make it happen NOW. The one lender pulled my report and gave me 2 bullet points to work on to boost my score pretty quick.

One was pay to delete a collection for $36. This shouldn't have even been in collections so I called and got it deleted off my report.  Didn't even have to pay it. CK alerted me today that it was deleted. I'm curious how it effected the specific score the lender uses. Which is equifax beacon? How can I pull this specific score? Yes I am shopping lenders but these 2 bullet points were super super easy to do so might as well keep on this lender.
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how do I
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I'm trying to get a mortgage pretty quick. VA loan. Long story short it's cheaper here to buy than rent and I'm about to be homeless because I currently rent from an ex who is a slumlord. I pay just the mortgage/tax/insurance on the house. He makes no profit.

Anyway. My kids grandma told me I should just look into getting a mortgage which I was going to plan for in like 2 years time.  But life happens and I am trying to make it happen NOW. The one lender pulled my report and gave me 2 bullet points to work on to boost my score pretty quick.

One was pay to delete a collection for $36. This shouldn't have even been in collections so I called and got it deleted off my report.  Didn't even have to pay it. CK alerted me today that it was deleted. I'm curious how it effected the specific score the lender uses. Which is equifax beacon? How can I pull this specific score? Yes I am shopping lenders but these 2 bullet points were super super easy to do so might as well keep on this lender.
user
How do I
assistant