Hi, thanks for any help you might be able to provide.
I have worked very hard the last few years to raise my FICO 8 scores from 478 in 2012 to 731 today. As you can see my recent credit history is pretty good, but we are trying to buy a house now and my Mortgage scores are way lower. Essentially I am trying to raise my Equifax FS5 from 675 to 680 as it will save me thousands on this house we are buying next month. My lender has done the credit score hypothetical thing and his program does not give him anyway to up the score. Essentially he has not tips. Maybe you guys have something? Or am I just going to be 5 points short?
Here are my details
Equifax - Fico8 / 731 Fico5 / 675
Trans - Fico8 / 718 Fico4 / 672
Experian - Fico8 / 724 Fico2 /687
Equifax Pertinent Information
Report Generated 2/8/17
CH 16 Years
Total Accounts 46
Past Due Accounts 0
Revolving Accounts 14
Installment Accounts 32
Mortgage Accounts 0
Collections 3
Public Records 1
Negative Indicators 2
Revolving and Open-Ended Accounts (13 Open)
Care Credit Card (Dentist) Balance is $900 CL is $3000 No Lates
CC Balance $0 CL $1500 No Lates
CC Balance $193 CL $1000 No Lates
CC Balance $30 CL $3000 No Lates
CC Balance $0 CL $9000 No Lates
CC Balance $19 CL $1750 No Lates
CC Balance $21 CL $1700 Late 1 Time (30 days) in November 2013
CC Balance $20 CL $375 No Lates
CC Balance $0 CL $200 Late 1 Time (30 Days) in September 2013
Charge Account $0 CL $1000 No Lates
Charge Account $0 CL $3500 No Lates
Charge Account $75 CL $400 No Lates
INSTALLMENT ACCOUNTS 3 OPEN
Car Loan opened in 2014 NO LATES
Car Loan opened in 2014 NO LATES
Student Loans opened in 2013 NO LATES
Only recent inquiries is from Mortgage lender
COLLECTIONS
ALL PAID OFF. ALL MEDICAL.
date assigned May 29th, 2012 $65 Paid
date assigned Mar 13th, 2013 $1277 Paid
date assigned Jun 3rd, 2012 $325 Paid
PUBLIC RECORDS PAID
Date File 2010 - Date Paid January 2011 (This is not on my Experian Report)
