just need some feedback

[Anonymous]

HELLO ALL! 

I would like like some feedback on my mortgage scores as pulled on 3/24/15

experian version 2.  642

equifax beacon 5 599.    83% overall utilization

transunion 04.  584

do I have enough cc debt to get mid score to 620?

[Anonymous]

Not sure how much credit you have available on your cards, but that 83% utilization is hurting you.

You don't want CC "debt" exactly. Rather, you want to show that you are using available credit responsibly.

Get that utilization down by paying down your CC's. Pay them all off except one, and have that one report with a balance between 1-9%. If that's not possible, do what you can to get overall utilization under 30%, preferably still only on one card (so you don't get dinged for using too many of your tradelines) and you should still see a score bump.

[takeshi74]

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@Anonymous wrote:

I would like like some feedback on my mortgage scores as pulled on 3/24/15

experian version 2.  642

equifax beacon 5 599.    83% overall utilization

transunion 04.  584

do I have enough cc debt to get mid score to 620?

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We can't tell you that you will get X points for doing Y.  However, we can tell you that you want lower revolving utilization, not more.  83% is very high.  General advice is do not exceed 30%.  Ideal is much lower.