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I would like to raise my mortgage scores so that when I refi my home I get the best possible rate. Mortgage scores are all 712 720 range. I would love to get over 740. Any advice on this?
@AllZero wrote:AZEO All Zero Except One as mentioned above.
Allow your HP inquiry age to 1 year (365 days). You'll regain those points if penalized originally for the pull.
Allow your AoYA Age of Youngest Account age to 1 year. You should receive around 10-20 points.
Will try this method! Thanks so much
@Harvey26 wrote:
@AllZero wrote:AZEO All Zero Except One as mentioned above.
Allow your HP inquiry age to 1 year (365 days). You'll regain those points if penalized originally for the pull.
Allow your AoYA Age of Youngest Account age to 1 year. You should receive around 10-20 points.Will try this method! Thanks so much
Good luck. Please report back on your success.
We raised our scores by doing just as mentioned here. I was 720 and hubby was 690 we paid the car off and all the credit cards. We had no money for a while but it worked now we own a home and my score is now almost 800. Took around a year. Good luck!
@Anonymous wrote:We raised our scores by doing just as mentioned here. I was 720 and hubby was 690 we paid the car off and all the credit cards. We had no money for a while but it worked now we own a home and my score is now almost 800. Took around a year. Good luck!
@Anonymous, Welcome to the forums & Congratulations on you're home purchase
Seems I should wait another year then. My CC balances will not be paid off for at least 4-6 more months. Plus I tripped and fell out of the garden for a BoA app earlier this month.
Originally wanted to have everything ready to go to start construction early spring, but I couldn't get everything to line up right.
At first only wanted to do a remodel/addition, but couldn't find any Bank to loan less that $60K. So decided on teardown and new build.