AAoA - 9 years
No lates, no collections, no judgements
5 revolving accounts- 2 with 0 balance, 3 with 19.9k in total balances
52.3k in available credit (38% utilization)
1 installment account for a lease - good standing
2 mortgage accounts, 8 years old - good standing
Just wondering if its a good time to re-apply for our mortgage. Looking for at least 700.
There's not enough info. Have you pulled your FICO reports to at least get an idea?
Your util is a bit high. I'd bring that down with at least one more CC at a $0 balance.
Just guessing, of course, but I'd think 730-745 at least. That's unless there's something bad on your report that you may be unaware of. Could be higher, but I'd be surprised if you were under 700.
i pulled them a couple of weeks ago before i paid down some balances - the fico score my lender pullled and the one i pulled were completely different. so its useless to pull anything here. just wondering your thoughts on a score.
i'll let you know when my scores are re-pulled early next week.