Established Contributor
jamie123
Posts: 927
Registered: ‎03-22-2012
Re: Fico Score did not improve after 7 month credit card activity

I was just wondering how high your scores already are. It sounds to me like you have really good credit now and it becomes harder to raise scores once they are already really good.

 

There are really only 3 brackets to consider for a mortgage and they are:

 

680 to 699 = Average Credit rates of 3.278%

 

700 to 759 = Good Credit rates of 3.101%

 

760 to 850 = Excellent Credit rates of 2.879%

 

Are you really close to jumping into the next bracket?

 

How many points are we talking about?

 

Oh...We are all anonymous here and most of us have our scores posted in our signatures. If we know a person's score we can give much more accurate advice. Trying to give advice without knowing the score is like trying to tie your shoe with one hand. You might be able to do it, but it sure looks better and is faster with two hands.



Starting Score: EQ 658 6/18/12
Current Score: EQ 690 11/17/14 - EX 687 7/21/14 - TU 701 12/8/14
Goal Score: EQ 720+
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