03-10-2011 04:34 AM
Does a higher FICO make you an easier approval? Or doesn't matter if you are 640 or 680 or 720?
Right now I am 621/659/???, hopefully get that 621 above 640 here in the next 2 months, then don't need to worry about what my EX score is, though it has to be about the same because all 3 are identical... same lates, no collcections, no judgements etc..
03-10-2011 07:03 AM
It really depends on the loans. I have a lower credit score, and was approved for an FHA mortgage. Usually your credit score is more to get a better interest rate etc... I'm sure someone would approve you with that score- but you never know. Sometimes they suprise you. lol
03-10-2011 10:01 AM
I have no collections or judgements...
Just a ton of lates in 2005(job loss) and then 2 CC's that went late for 3 months in early 2010, one 30 days and the other 60 days, its when we signed up with CCCS for a DMP, was confusion on my end, thought if I made that payment all cards would report current...