Tthe 3 points were not in reference to Truecredit, it is based on what myfico stating what is ok credit or good credit based on how much interest it will cost you. If I'm at 657 that reflects my Equifax and it was 660, that 3 points can get me a better interest, but it can't if it drops by 3 points ....correct? I was referencing to this, not necessarily good and fair via TrueCredit. This whole points system is quite mind boggling.
