Just got done talking to Mortgage company and they suggest I have for the specific loan program I qualify for, no down payment, no PMI and the lowest interest rates available. It seems like it will take forever for me to get my score to 700... sigh

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Starting Score: 656
Current Score: 678 TU 08, 665 EQ MyFico, 698 EX PSECU
Goal Score: 7OO needed for Mortgage application

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