How many months before you applied for the refi? and what were your scores when you were approved for refi if you dont mind me asking?

Yea, from what I can see if I just pay my payments on time I should have no issues, most complaints i've seen on the web seem to stem from those who were late.

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Staring Scores:Transunion-636 Equifax-618 Experian- 640 (8/12):
Current Scores:Transunion-695 Equifax-686 Experian 672(as of 01/05/12):
Goal 760 Across the Board:

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