03-15-2013 07:05 PM
03-16-2013 10:17 AM
You already have installment accounts factored into your FICO so adding another will not help your mix. In fact a refi would drop your scores most likely, especially if you are closing on a home in May. I'd wait for the close then apply for a refi.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO