sweetbutincontrol wrote:
I need to refi as soon as I can, but they said if I'll let my score reach a certain score, then I would get a lot better rates. I got it from equifax through this website.
Do you get to see all 3 CRAs from the Equifax website? I ask because the CRAs will not always all report at the same time. In fact, you can bet on it. Watch all 3 for the new balances to report, then recheck your scores.