Thanks Shellie. Problem is that the Equifax score on Myfico seems to be 23 points higher than what DCU's pulled score is, at least that's what I read on here. So my 695 Myfico score would be a 672 with DCU. I'm going to apply mid July and by then I'll have another credit card report another month of paid on time, maybe it will be enough for the small jump I need.
