Need 10 more points for my mortgage refi....

[MarineVietVet]

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@Anonymous wrote:

think it will help by 10 pts? I guess I won't know until my next report....

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No one can know for sure but if your utilization is reduced by quite a bit you should see a nice bump. Let us know how it works out.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[haulingthescoreup]

I'd say that there's a good chance, because these are your top two negatives. The higher up the list the negative is, the more points it's costing you.

Keep us posted!

[haulingthescoreup]

I'd say that there's a good chance, because these are your top two negatives. The higher up the list the negative is, the more points it's costing you.

Keep us posted!

[MarineVietVet]

You don't have to post twice HTSU!!!

We get it, we get it!!! 

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[haulingthescoreup]

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@MarineVietVet wrote:

You don't have to post twice HTSU!!!

We get it, we get it!!! 

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The perils of sneezing when hitting the Post button!

(I'm really just inflating my post count. )

[Anonymous]

Just wanted to update you guys. My scores just refreshed and after paying off all my credit card debt, my mid score is now 766!   I just locked in my rate at 4.25% and am closing next week!! Thanks everyone.

[haulingthescoreup]

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Ph33zy wrote earlier:

My rate from 4 months ago is 5.25%.  My new ratew would be 4.375%.  This equates to a savings of about $300 for me a month (520K mortgage, superconforming loan in CA).  After closing costs of about $2700, I'll recover my costs in about 9 months and save about $3600 a year afterwards.  These are real tangible savings as you can see.

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... and I think you said that you were starting from 730, right?

So you even beat the 4.375%!

w00t!  Many congrats.

[Anonymous]

yea.. rates have dropped since I first posted...patience is a virtue!

[MarineVietVet]

I'm glad you got good news!

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800, 10/10-813
TU - 10/10-774
You can do the same thing with hard work