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I am at my wits end with FICO. Hoping I can get some advice. Trying to purchase a home, but my mortgage scores will not budge.
FICO Score 8: 721EQ 678TU 675EX
Mortgage: 591EQ 680TU 620 EX
Any words of wisdom would be great. Thank you.
You're going to have to give MUCH more info about your credit profile before anyone can even begin to offer some advice.
@PlumberChk wrote:I am at my wits end with FICO. Hoping I can get some advice. Trying to purchase a home, but my mortgage scores will not budge.
FICO Score 8: 721EQ 678TU 675EX
Mortgage: 591EQ 680TU 620 EX
Any words of wisdom would be great. Thank you.
@PlumberChk As mentioned above, we need data. Lots of it. The more data the better.
Do you have any derogatory or delinquency? If yes, what are they?
How are your reported aggregate and individual utilization %? If high, what are they?
What MMS are you trying to achieve?
When do you plan to apply for mortgage?
I would recommend reading the below from ABCD2199
The Truth about Credit Card Utilization
My 11 Rules to Credit Rebuilding
FICO Score: What to pay down first?
From Birdman7
General Scoring Primer and Version 8 Master Thread rev.5.17.20