Fico scores over 800 should I try to get higher?

[Anonymous]

I will be applying for a mortgage for a second home.  My fico 2 4 and 5 scores are 804, 810 and 811.  Should I try to get them higher ?   Thanks

[SouthJamaica]

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@Anonymous wrote:

I will be applying for a mortgage for a second home.  My fico 2 4 and 5 scores are 804, 810 and 811.  Should I try to get them higher ?   Thanks

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I doubt that there's anything to accomplish by getting them higher.

If you got them any higher the loan officer might find you to be suspicious

[dragontears]

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@Anonymous wrote:

I will be applying for a mortgage for a second home.  My fico 2 4 and 5 scores are 804, 810 and 811.  Should I try to get them higher ?   Thanks

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No, assuming those are mortgage scores you are already in the top tier for interest rates. 

Having scores higher than what you have will not get you a better rate.

[Anonymous]

Thanks for the quick replies.  Yes. These are mortgage scores so I believe they taken the middle score.  I'll keep doing what I am doing and not worry so much.  

[coldfusion]

Good.  Your scores give you a large enough buffer that you'd have to screw something up pretty badly to fail to qualify for best terms.  Just keep on doing what you've been doing.

[sxa001]

Those are fantastic scores, you will have no problem getting your pick of loans! Good luck in the home buying journey! 

[Anonymous]

OP, are you implementing AZEO currently?  If not, try it for S&Gs as it may increase your scores a bit more.  To echo what the others have already said, greater scores won't equate to better rates based on where you're already at, but a few more points definitely can't hurt.

[Anonymous]

Thanks.  Just starting this month to do AZEO.  I use 4-5 cards a month and pay off all balances when do.  So I'll pay off all but one prior to the statement closing date.  Is there a certain % balance that is ideal to leave on the single card with a balance at statement closing?

[Anonymous]

Not really, but anything like $5-$20 would be fine.  You could take it up to 8% or so of the CL and be fine as well.

[dunn2500]

anything over 780/790 is same as 850.......thats what i have heard anyways