In my experience, the best way to quickly increase a FICO score is to pay down on credit-card balances. I'm wondering if you could ask the underwriter to perform a "rapid rescore" (especially if you don't many tradelines, for when you get a "rapid rescore," they charge you for each tradeline
You should track, especially, of your "middle" FICO score
If I'm wrong, please chime in, experts.
FICO 8: EQ 810; TU 816; EX 822 as of 7/5/2022
