Mortgage Scores Not Rising

[DuxMom]

My FICO 8s are - EQ 750, TU 764, EXP 733

Payment History - Exceptional (perfect) Revolving Utilization 53%

Average Age 1 year 8 months, Amount New Credit - Fair 4 months

Credit Mix Very Good

I know the avg age and amount new are hurting but we rebuilt from a ch 13, gone, and needed to buy a car and refi the mortgage. They were both done a year ago. I am bringing the revolving balances down. My 8s are rising! That's great! But my mortgages aren't budging. For a while. Middle is 690. Same with autos. They aren't budging. If anything a little lower? I don't have a single derog or collections, bureau is perfect. Is it just a matter of time? Any thoughts are a 

[SouthJamaica]

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@DuxMom wrote:

My FICO 8s are - EQ 750, TU 764, EXP 733

Payment History - Exceptional (perfect) Revolving Utilization 53%

Average Age 1 year 8 months, Amount New Credit - Fair 4 months

Credit Mix Very Good

I know the avg age and amount new are hurting but we rebuilt from a ch 13, gone, and needed to buy a car and refi the mortgage. They were both done a year ago. I am bringing the revolving balances down. My 8s are rising! That's great! But my mortgages aren't budging. For a while. Middle is 690. Same with autos. They aren't budging. If anything a little lower? I don't have a single derog or collections, bureau is perfect. Is it just a matter of time? Any thoughts are a 

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How are you monitoring your mortgage scores? On MyFICO they only update when you pull your report.

I can tell you right off the bat that your revolving utilization is quite high and is no doubt crushing your mortgage scores.

[TheKid2]

Use AZEO to optimize your mortgage scores.

[pizzadude]

The comments above are correct, your revolving utilization needs to be paid down.  Once you do this you'll see a boost on your FICO mortgage scores.   AZEO as mentioned is the best approach to maximize your score.