So the last couple months my wife has been working on her scores for our upcoming mortgage app. (new construction build)
Back in February she was at 614 middle score. Since then we have done a PFD that was a 5+ yr old collection, paid down CC balances, and paid in full our auto lease charge off from last summer. Mortgage FICOs now 657, 661, 712. Unfortunately Equifax (661) and TransUnion (657) went up ZERO points after the latest update from the paid charge off. However, Experian (712) went up 32 points when that posted. At this point I can't see any differences in reports really so it is what it is however it's scored I guess. My question though is there any way to get that Equifax 661 to 680 in next 2 months (before close)?
- CCs aren't full AZEO so maybe could help a few? She has 4 cards. 2 are charges w $0 balance and 2 are true CCs w small balance. Like 1% each. One is only hers and other authorized user of mine.
- Personal loan with about $2k balance. 12 months left to pay.
- Auto loan from May last year.
- 1 derog posted 2014...$1500 lease termination now collections. It's with a creditor not willing to PFD so was advised to leave it alone by LO originally.
MyFiCO does simulate +5 points for simple aging or payments for a month or 2. That's of course FICO 8 not mortgage so not sure the difference there. That leaves 15 points or so. Figured I'm about stuck on the short timeline to do anything else but any advice to maybe get the points we need I'd appreciate it. Thanks