“Not all Credit Companies are Created Equal”

  “Not all Credit Companies are Created Equal”






Hello Joe. I just checked my credit on Credit Karma. I am not sure how reliable it is, but it says Trans. 615 and Equifax 626.What was the score I have to reach to be eligible for the refinance?

Did you happen to add up my bank statements and see how much I could qualify for?

Please let me know when you have a chance.

Thank you!




So many folks monitor their credit reports on Credit Karma, Free Credit Report and others. Unfortunately, different credit reporting companies use different algorithms. Most banks, credit unions and mortgage companies have different criteria as well.


When our clients monitor their own, they are often surprised when we share scores with them. In many cases our numbers end up being higher, but not all the time.



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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 3 commentsJoe Petrowsky • June 21 2019 03:20PM


Good morning, Joe Petrowsky I monitor MY credit via Experian..... and I'm sent an update every month....

Posted by Barbara Todaro, Marketing Agent for The Todaro Team (RE/MAX Executive Realty ) about 1 year ago

I'm with Barbara Todaro - I do the same thing; and if any changes occur during the month, Experian notifies me. 

Posted by Kat Palmiotti, The House Kat (406-270-3667, kat@thehousekat.com, Broker, Blackstone Realty Group - brokered by eXp Realty) about 1 year ago

Good morning Joe. When humans are involved, the results are usually never the same. Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) about 1 year ago