03-23-2011 09:52 PM
03-24-2011 05:43 AM
Do you know when your credit cards report?
I would call every credit card you paid down and ask them to update your balances. Once those balances update, you'll get that point. You'll get more than a point, really. My balances update right after my statement date, and most cards are apparently that way. Orchard is an exception in that they do it at the end of the month regardless of the statement date. I don't know if calling them will make them do it, but it's possible. It's also possible that you would only have to wait until early April to get that score. I'd consider subscribing to SW here (google for a discount code) and set your "target score" to your *current* score. You won't get immediate notification of score changes, but you'll get one about once a week. You can also go the CMS route - monitoring all three reports with a CMS (I've used creditchecktotal, but I think there's cheaper ones like USAA) that allows daily pulls. You'll be looking at FAKOs, but you can pull your reports daily to see when that balance changes.
03-24-2011 09:56 AM
Pay down the other 30% and you may get up to 640 (which is where you likely need to be to get approval anyway.) 620 loans are still around for sue, but they are tought to actually get closed. Any little thing will cause a denial.