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    <title>topic Re: Re-fi ?????? in Understanding FICO® Scoring</title>
    <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Re-fi/m-p/179355#M17321</link>
    <description>Congrats on the score increases.</description>
    <pubDate>Thu, 13 Mar 2008 17:48:01 GMT</pubDate>
    <dc:creator>Junejer</dc:creator>
    <dc:date>2008-03-13T17:48:01Z</dc:date>
    <item>
      <title>Re-fi ??????</title>
      <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Re-fi/m-p/178764#M17269</link>
      <description>&lt;DIV&gt;I want to re-fi my house and my scores are Tu 641, Ex 653, and Eq 605.... How many point will my score drop when they pull my scores?????&amp;nbsp;2 months ago i was Tu 600, Ex 580 and Eq 550. I listen to you guys and gals and it worked. Utlz down from 98% to 12%.... Not bad....&lt;/DIV&gt;</description>
      <pubDate>Thu, 13 Mar 2008 01:38:38 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Re-fi/m-p/178764#M17269</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-03-13T01:38:38Z</dc:date>
    </item>
    <item>
      <title>Re: Re-fi ??????</title>
      <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Re-fi/m-p/178859#M17274</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;
&lt;DIV&gt;Get the UTl under 10% and balances on less than half of open accounts- &lt;/DIV&gt;
&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;
&lt;DIV&gt;As far as points for INQ's- it has to do with how many you already have-&amp;nbsp; &lt;/DIV&gt;
&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;
&lt;DIV&gt;Nice work paying the CC's down. &lt;BR /&gt;&lt;/DIV&gt;
&lt;BLOCKQUOTE&gt;
&lt;DIV&gt;
&lt;HR /&gt;
onfussedandneedinghelp wrote:&lt;BR /&gt;
&lt;DIV&gt;I want to re-fi my house and my scores are Tu 641, Ex 653, and Eq 605.... How many point will my score drop when they pull my scores?????&amp;nbsp;2 months ago i was Tu 600, Ex 580 and Eq 550. I listen to you guys and gals and it worked. Utlz down from 98% to 12%.... Not bad....&lt;/DIV&gt;&lt;BR /&gt;
&lt;HR /&gt;
&lt;/DIV&gt;&lt;/BLOCKQUOTE&gt;
&lt;DIV&gt;&lt;BR /&gt;&lt;/DIV&gt;
&lt;DIV&gt;&lt;/DIV&gt;</description>
      <pubDate>Thu, 13 Mar 2008 02:59:43 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Re-fi/m-p/178859#M17274</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-03-13T02:59:43Z</dc:date>
    </item>
    <item>
      <title>Re: Re-fi ??????</title>
      <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Re-fi/m-p/179355#M17321</link>
      <description>Congrats on the score increases.</description>
      <pubDate>Thu, 13 Mar 2008 17:48:01 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Re-fi/m-p/179355#M17321</guid>
      <dc:creator>Junejer</dc:creator>
      <dc:date>2008-03-13T17:48:01Z</dc:date>
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