I post in the Mortage section and I guess it was the wrong place. Sorry new.
My husband and I pulled our EX score on here. His is 560 and mine is 657. I am really confused by this. Last year the scores were 650 and 720. I guess it wasn't FICO. Even so I don't understand why mine would be so low. One of the reasons it gives is my credit is only 6 years 9 months old. Well I can't change that. I however have never missed a payment on anything. Have had 3 credit cards paid off several times, a car loan paid off, a current car loan with 1.5% interest paid more than minimum most months and one collections I have no idea where it came from. It says if I pay off my cards my score will go to 657-720. Makes zero sense why it would stay the same.
My husband has 2 cards and it says if we pay them off it can go up to 600 and if we keep it clean 620. (guess I am more of a risk with more credit even though I pay my bills on time) His are less then mine total of abot 1,200 we could pay off by the beginning of next month. Mine will take a little more time 3.5 months - 5. Which should we pay off first. I thought I would ask here to see what actual people have been through since the site seems to have just as good of a guess as me. No stinking idea, haha.
