@tooleman694 wrote:
If you are at a 680 with low CC util, I think you will need to hang out for 1 to 2 years to get over a 720. It just takes time.
Easy to get to 680, hard to get above it without time.
The only thing I would suggest if you really want to buy a home sooner, I would cash out your cars and us it as down payment to not go Jumbo if that is possible. Then go and buy a couple more cars =)
I definitely think its the AAoA and the time as you stated. My EQ scorewatch updated today and has me at a 706 which is getting better! Guess I just need to give it more time and be patient with it.
