Hello All!
I think a good rule of thumb is: focus on what's on your credit report not your score. Your FICO score is a good prediction of future risk with most lenders and can get you approved instantly if it's good enough but I know many with great FICO scores on here that still have concerns when apping a lender because even with the great score- it's still comes down to what's on the report. For example: How many recent inqs you have. A lot here put to the wayside the value of focusing on what's on your report. Do this and your FICO falls in line. JMO.
Starting Score: 642