“The Moral of the Story, Not All Credit Reports are Created Equal”

“The Moral of the Story, Not All Credit Reports are Created Equal”



I have been coaching these folks for nearly a year. Their credit scores where much lower when we got started and they have been make progress. I got this email from them and the scores they were getting on their own, just weren’t making any sense.


hi joe. we've done everything for Kim's score. She got credit cards shes making her payment on time, school loan on time and cought up. it been almost a 8 months now and 2 of her score are high 650's is only one experian doesnt want to improve her score, its stuck at 610 ish. she has called several time and they won't review or improve her score but the other 2 places go up regular every month, we really want to get out of this house were in now its way to high for are budget. can you do another check on are scores specially hers. so we can move forward. or were stuck here for another 6 months? thanks scott and kim


When I did a report the scores were much higher, to the point it was time to give them a pre-qualification, they have made great strides, now it is time to find a home to own instead of keep paying rent. Very often when you get something for nothing, that is about what it is worth.


Who else do you know that needs my help?


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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.

Comment balloon 25 commentsJoe Petrowsky • October 11 2015 04:05AM


Glad the coaching is working and that they can soon move to the next phase.

Posted by Debbie Gartner, The Flooring Girl & Blog Stylist -Dynamo Marketers (The Flooring Girl) over 5 years ago

Well I bet they were happy to get that piece of paper.  Listening and following directions does go a long way.  

Posted by James Dray, Exceptional Agents, Outstanding Results (Fathom Realty) over 5 years ago

Good morning Joe,

More mortgage Broker's should follow your lead working with clients to assist with credit.

Make yourself a great day.

Posted by Raymond E. Camp, Licensed Real Estate Salesperson Greater Rochester (Howard Hanna Real Estate Services) over 5 years ago

Good morning Joe. It's wonderful when a plan comes together. Great story.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) over 5 years ago

Joe: It is always great to hear about consumers who take your advice to heart and work hard to improve their credit.

Posted by Anita Clark, Realtor - Homes for Sale in Warner Robins GA (Coldwell Banker Access Realty ~ 478.960.8055) over 5 years ago

  Were you licensed in Wisconsin...we would have someone...a number of someones who are anxious to become homeowners and haveb the credit scores and down payments...now to find the house they will call home !

Posted by Sally K. & David L. Hanson, WI Real Estate Agents - Luxury - Divorce (EXP Realty 414-525-0563) over 5 years ago

Joe, bet it feels good, when you advise your borrowers and then comes the time they finally can buy a home!

Posted by Joan Cox, Denver Real Estate - Selling One Home at a Time (House to Home, Inc. - Denver Real Estate - 720-231-6373) over 5 years ago

Hi Joe.  Great job coaching them with their credit.  Can you help with spelling?

Posted by Conrad Allen, Webster, Ma, Realtor (Re/Max Professional Associates) over 5 years ago

This is important information for consumers who are working on their credit issues. Free reports may not be accurate.

Posted by Roy Kelley (Realty Group Referrals) over 5 years ago

Good morning, Joe Petrowsky great job with coaching those consumers.... what a long road....

Posted by Barbara Todaro, Previously Affiliated with The Todaro Team (RE/MAX Executive Realty - Retired ) over 5 years ago

Good Sunday morning Joe Petrowsky -

Excellent information and good for you in assisting in moving these buyers onward in the real estate adventure.

Posted by John McCormack, CRS, Honesty, Integrity, Results, Experienced. HIRE Me! (Albuquerque Homes Realty) over 5 years ago

Hi Joe -- I love this line from your post:


Who else do you know that needs my help?

Posted by Michael Jacobs, Los Angeles Pasadena 818.516.4393 over 5 years ago

Hi Joe Petrowsky ,  Your exactly right.  If they don't seek a professional, they can run into problems.  That goes for a Loan Officer and a Real Estate Agent.  Many Sellers that want to do everything themselves end up hiring an agent in the end and the Buyers that use FSBO's without an Agent usually end up in trouble.

Posted by Larry Johnston, Broker,Friends & Neighbors Real Estate, Elkhart,IN (Broker, Friends & Neighbors Real Estate and Elkhart County Subdivisions, LLC) over 5 years ago


Great story with a wonderful ending.  Wishing you a delightful rest of the holiday with Gail.  A

Posted by Ron and Alexandra Seigel, Luxury Real Estate Branding, Marketing & Strategy (Napa Consultants) over 5 years ago

Joe, you are a great coach and if you were licensed in WV, I would definitely send you clients.

Posted by Rebecca Gaujot, Realtor®, Lewisburg WV, the go to agent for all real estate over 5 years ago

Joe - you are credit coach extraordinaire.  The couple is lucky to have you.

Posted by Grant Schneider, Your Coach Helping You Create Successful Outcomes (Performance Development Strategies) over 5 years ago

Hello Joe Petrowsky 

Good for them, the hard work has paid off and what a nice surprise for them that their "free" score was not the accurate one.

Posted by Lisa Von Domek, ....Experience Isn't Expensive.... It's Priceless! (Lisa Von Domek Team) over 5 years ago

Joe that must have been a very pleasant surprise for them.  It pays to double check.

Posted by George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages) over 5 years ago

They worked hard and their worked paid off. I hope they find a home they will love.

Posted by Debbie Reynolds, C21 Platinum Properties, The Dedicated Clarksville TN Realtor-(931)320-6730 (Platinum Properties- (931)771-9070) over 5 years ago

This story gives others hope! Often times, people just can't figure things out and they need a little hope. Those that are smart enough to reach out to you will always see a light at the end of the tunnel and get a best friend too.

Posted by Patricia Feager, MBA, CRS, GRI,MRP, Selling Homes Changing Lives (DFW FINE PROPERTIES) over 5 years ago

Just did the buyer consultation this weekend and these kids will be ready to go...and have been very careful with their credit...soooo refreshing !

Posted by Sally K. & David L. Hanson, WI Real Estate Agents - Luxury - Divorce (EXP Realty 414-525-0563) over 5 years ago

Good Morning Joe: There are buyers who need serious help to get out of the situation they are in.. either owning a new home or moving up or down.

I am happy to hear that you have been patient in assisting them.

I wish all loan officers will do the same thing but you know well that is not the case.

Posted by Maria Gilda Racelis, Home Ownership is w/in Reach. We Make it Happen! (Home Buyers Realty, LLC-Manchester, Bolton. Vernon,Ellington) over 5 years ago

Hi Joe.  Interesting to read that the credit scores these folks got on their own wern' the same as the ones you got.

Posted by Gabe Sanders, Stuart Florida Real Estate (Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales) over 5 years ago

Hi, Joe. What do you think was causing the disparity between the reports?

Posted by Debbie Laity, Your Real Estate Resource for Delta County, CO (Cedaredge Land Company) over 5 years ago

So glad this couple listened to you. It's a matter of getting into good habits to get your score up and the incentive of buying a home and saving on rent is enormous. Good for you.

Posted by Hella M. Rothwell, Broker/Realtor®, Rothwell Realty Inc. CA#01968433 Carmel-by-the-Sea over 5 years ago