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Posts: 32,869
Registered: ‎08-04-2007
Re: my trans union credit report and score

youtoo wrote:

I just checked my credit score with for the free check. It is 805. I am thinking of refinancing my mortgage. This would drop my rate by 1.5%. If I go to multiple mortgage companies for rates, will their inquiries hurt my credit score? Not sure what I should do?


When I checked for rates, the highest range was 760 and above. Do you get lower rates for credit ratngs above 800?

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Great score! I'd refi. There's no benefit of having a higher score other than aiming towards 850.