I talked with my bank and they advised me to get to 620 so I can get out of the sub-prime area. I am definately going FHA too....so I don't think I need a 680, well at least as of today....plus FHA loans I think have certain rates that are decent since it is a first time home loan, they don't necessarily say you have to have a certain credit score, but my bank requires me to have a 620.
9/1/2012 ...DRUMROLL .... EQ .. 776!!
I'm FINALLY a homeowner .. 10/24/12!!!!
My Cards ~~~GARDENING~~~ BNSF CU ($1000) BOA ($2500) Amazon / GE ($900) AMEX BCE ($2500) Chase Freedom ($3000) US Bank Cash + (7500)