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Well I made it to a 640 mid. My wife is at 608 mid (builder's lender can only do 640 so trying FGMC now...) I'm extremely nervous.... The one thing she can do to increase her score is pay off an old CO that is impacting utilization..It's making utilization 39% rather than 0-2% so probably well worth the $. I am going to wait and see what FGMC says and if it'll make the process easier at 640 (I suspect it will) then we will pay it. Wish us luck MyFico fam!
Starting Score: 620
At least EQ is useful here.
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