EQ 52 points higher than TU...SAME TL's

[economan]

I've been waiting for my TU to hit 740 so I can refi the house. It's stuck at 733 but EX is at 785. The reports have identical tradelines (according to myfico). My CC util is <1%  (approx $250) and the only derogs were 6 years ago I had 60 day late my student loans 2 months in a row and 30 day on a consumer loan. I've got 9 open accounts (2 CC, 2 MTG, and 5 Student loans). Is there anything I can do to get this TU up?

MY TU was 728 on 5/15 with over $10k of CC debt and util at 50% on one card. 

[Shogun]

     The TU you are pulling from here is TU98 and the one your mortgage lender will pull most likely will be a TU04 which in my experience is usually higher.  YMMV as always, but you might already be there.

[Shogun]

Oh, and drop the balance on one of those CCs to $0 and leave the other at less than 9%.  That should give you a bit of a boost.  My sweetspot for my scores is 4%.

[economan]

Thanks, I think I will give it a shot. I had all but one at zero balance, but the sneaky chase folks threw on the $95 annual fee at closing date. Argh!!! The two statements closed on the same date, so no way to fix in time! 

But maybe I can adjust before next statement and have refi agency do a rapid rescore if I'm not there yet.

[trying_to_B_good]

hey shogun how long did it take you to go from a 504 to an 819...and what your secret?

[Shogun]

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@trying_to_B_good wrote:

hey shogun how long did it take you to go from a 504 to an 819...and what your secret?

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     The secret?  A touch of OCD, throwing money at everyone and wanting to improve my situation.  I would make goals and strive to achieve them.  Then it just becomes a challenge, and I love a good challenge.

[economan]

Just app'd for the refi. All three scores were 775-785. Holy cow, 50 point difference on their TU and this TU. Regret paying myfico $16 to see an old score, but as always cavea emptor.

[Shogun]

     See, I nailed it!  LOL....  Congrats!

[economan]

Thanks!! Now we just discovered a bogus collection from 3 years ago on wife's account. Contacted the collection agency and they have no record of the collection. Just disputed all three bureau's. Will let you know what turns up.

[Kratos-TM]

This thread was exactly what I needed. Thanks guys for answering a question that I needed.