New Member
creditpete
Posts: 31
Registered: ‎09-26-2013
Help Ballpark my FICO score

AAoA - 9 years

No lates, no collections, no judgements

 

5 revolving accounts- 2 with 0 balance, 3 with 19.9k in total balances

52.3k in available credit (38% utilization)

 

1 installment account for a lease - good standing

 

2 mortgage accounts, 8 years old - good standing

 

Just wondering if its a good time to re-apply for our mortgage.  Looking for at least 700.

Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
Re: Help Ballpark my FICO score

There's not enough info. Have you pulled your FICO reports to at least get an idea? 

 

Your util is a bit high. I'd bring that down with at least one more CC at a $0 balance.

Valued Contributor
Gunnar419
Posts: 1,158
Registered: ‎01-23-2013
Re: Help Ballpark my FICO score

Just guessing, of course, but I'd think 730-745 at least. That's unless there's something bad on your report that you may be unaware of. Could be higher, but I'd be surprised if you were under 700.

New Member
creditpete
Posts: 31
Registered: ‎09-26-2013
Re: Help Ballpark my FICO score
[ Edited ]

i pulled them a couple of weeks ago before i paid down some balances - the fico score my lender pullled and the one i pulled were completely different.  so its useless to pull anything here.  just wondering your thoughts on a score.

 

i'll let you know when my scores are re-pulled early next week.

 

thanks!

New Member
4rmMiami2SC
Posts: 2
Registered: ‎10-17-2013
Re: Help Ballpark my FICO score
The score you bought here on myfico was different then the lender!!?? Guess I'm getting my hopes up for a let down ; ( .. err it would be much better if they go by income instead of this credit stuff. Where the fico score at least somewhat close...?? Thanks for your time