Since most everyone on here is in the real estate industry, I wanted to share some fascinating info with you all. Depending on where your customers go for a home loan, their FICO score can differ dramatically. The reason for this is because FICO releases a new scoring model every couple of years and not all lending institutions upgrade to the new models mostly because it's expensive for them to do so. Therefore, there are still lenders using FICO scoring software from 10 years ago. Since the latest version is based on data collected from millions of consumers current credit profiles and since the scoring model has been improved and refined, using an outdated model can result in the difference between your client qualifying for a loan or not, or even thousands of dollars of higher interest over the life of the loan.  For instance, the FICO 8 model ignores small dollar "nuisance" collection accounts in which the original balance was less than $100. How many of your clients have some of those?  If you have clients with credit issues, I'm happy to help anytime..   [email protected]