@Revelate wrote:
@rootpooty wrote:
Main reason I want to watch scores is to see where I stand for the next 3 mos. Going through home loan process right now and hope to be or still be in the 750 in the next 3 mos so I can app for some new accounts. For the past year I have carried high balances on all my CC accounts so right now I would like to pay close attention to everything
On the assumption your balances are being reported to all 3 bureaus (which is entirely likely based on your siggy) monitoring any one of the three is sufficient in this case.
There's something to be said for watching each bureau as JDB's and whatever come out of the woodwork seeing the mortgage inquiries but usually they'll report to all 3 as well. As mentioned, I'd just use CS / CK and spot check EQ Score Power for my benchmark personally, but if you want better than that any of the daily pullers (MPM, EIDT, look at the CMS thread if you desire) would be fine for that.
As for monitoring a mortgage score, Equifax Score Watch is really the only available option (assuming they are still on Beacon 5, last I heard they were) without opening up new accounts, which you absolutely want to avoid.
thanks and yes i do not plan on apping for anything to after I close
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k
On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
