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Valued Contributor
Posts: 2,858
Registered: ‎06-08-2012
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Re: worth the hard pull?

Repo-ed wrote:

Man it scares me when people buy homes with less than a 720 mid-score.

I dont think you need 720 mid-score, especially if they are going FHA route.  680+ should be good enough depending on your CR and the loan amount as compared to amount of down payment.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
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Re: worth the hard pull?

Repo-ed wrote:

Man it scares me when people buy homes with less than a 720 mid-score.

There are still people who never really needed a lot of credit before it came time to buy a house. It's possible to have sound financial management but not really build a good credit history along the way.


I have good credit but would much rather have cash, LOL!


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO

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Posts: 127
Registered: ‎12-11-2012
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Re: worth the hard pull?

That's sort of our problem. Everything has always been in my hubby's name. He has a a 730. But i only had enough credit for EQ to even score me. I only had my auto loan and it only reported to the one bureau. But we need both our incomes to qualify for our.home. Its just out of the reach of my husbands income alone. Bit I agree with the scary part! I'm terrified.
Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012
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Re: worth the hard pull?

leppy2 wrote:
Well i do have two medical collections that are to be deleted from my report this week that were errors. Think that will do it?
I was concerned about utilization so ive only spent 9%. I wasn't sure when the bill would come. I still haven't gotten a bill. But it was reported to credit bureaus on 12-12-12. My credit limit is 200. I charged 17 on it and that was reported. Is that ok and when should i pay it from now on?
Thank you all for the advice.

This will probably get you those 5 points.

My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie

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