Current Score: 632 Need: 640+[ Edited ]
06-11-2012 11:05 AM - edited 06-11-2012 11:18 AM
We are trying to get USDA Financing. DH's current score is 632. Needs to be at 640 or above.
His credit report has:
- 1 30 Day Late in March 2010
- 1 Collection (PAID) from 2007
He has 2 CC's.
- One JUST had a balance of $432 with limit of $500. Just paid it down last night to $45. Which is about 9% utilization.
- Other CC has a limit of $5,200 and balance is $5,043. Before Citi reports I will pay it down to $4,778. Should I try and get it to 89% utilization? It would be at 91% otherwise.
Just need 8 pts!! Any help!