@Anonymous wrote:My Fico 8 is around 760 while the mortgage score is at 712. Are there ways to improve the mortgage score other than just paying off the mortgage every month? Does paying additional principle help? How long does it take to go from 712 to 740?
Thank you
Actually paying down any installment debt (including mortgages) doesn't help 2/3 of the scores used for mortgage underwriting.
Your file either sounds clean / new (like one year old) or with something like a small collection <$100 on it, but without knowing details can't really offer any advice for improving your scores: namely, what if any negatives you have, and what your revolving utilization is for current balance / credit limit on all of your revolvers (credit cards mostly): those are the two score killers generally that something can potentially be done about in short order.
