Raising FICO used for mortgage

[Anonymous]

Hi everyone! I have been in rebuilding mode for the last few months and have seen a steady rise in my FICO 08 scores via monitoring. But my goal is to be able to purchase a house by fall of 2016 and I know the scores they use are different than the 08 version. So my question is what should I be doing to try and raise the scores used for mortgages? Does that version weigh installment loans more heavily than credit card debt, etc? I ask because my student loans are currently in forebearance so I'm wondering if that is hurting my mortgage scores since the balances are not decreasing. Your thoughts are greatly appreciated!

[sports1965]

if you carry balances on your credit cards pay them off

leave a couple $$ on one and let it report

when i was shopping for my mortgage my middle score was 607 ,my LO advised me to pay off my debts

i did and my middle score went up almost 70 points to 675

yes with the new rules they will count a percentage of your student loans for DTI purposes (FHA rules)?