08-20-2007 01:14 PM
08-20-2007 02:28 PM
weaver wrote:I have a principal mortgage and a second mortgage. I have always paid on time and pay my second mortgage early by 15 days. My only other bills are my cellphone, cable, internet, health care and life insurance, health club and home phone. I do have a running balance on my cable, but it has never been delinquent. I do have a balance of $600 on my credit card, but this was just within the last few days. Before this, my last credit card balance was paid in full on on May 1st and was approximately $1500. I have charged things since then, but pay them off before the bill is even due.I may need to buy another house soon to take care of my mother, as the current house is not big enough, and want to see if now is the time to check my credit or wait another 3 months for the credit card activity to show $0 balances. The last time I checked, which was some time in 06, my scores were in the high 600's, but before that in 04, my scores were in the high 700's. I really need to get them back into the high 700's, due to the high housing prices here and the high insurance and property taxes as well.Any advice would be appreciated.Thanks,Weaver
Do it on the cheap. Get the Transunion Identity Deluxe monthly package and use the 205 discount. Cost will be $3.95.
08-21-2007 07:59 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.