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RobertEG wrote:
... improving FICO is a long term game. If you dont need it now, then treat it as an ex-wife.
@Anonymous wrote:????
@RobertEG wrote:... improving FICO is a long term game. If you dont need it now, then treat it as an ex-wife.
I don't have an ex wife
RobertEG wrote:... improving FICO is a long term game. If you dont need it now, then treat it as an ex-wife.
MidnightVoice wrote:
I don't have an ex wife
RobertEG wrote:
... improving FICO is a long term game. If you dont need it now, then treat it as an ex-wife.
masdeocho wrote:I do have an ex-husband. How should I treat him?
OMG, that is so gross!
@haulingthescoreup wrote:
@Anonymous wrote:????
@RobertEG wrote:... improving FICO is a long term game. If you dont need it now, then treat it as an ex-wife.
I'm still retching over the crusty sheets. Eeeewww...
$2,310
It looks to me that you seem to have a lot of debt already so I think refinancing your home might be a big mistake. Your main goal right now should be paying off more of the debt and on time so that your score will become between 760 and 850. If you get your score in this range you will get the best rate. The only problem with this is it might take you a few years to accomplish this. You can not change a Fico score overnight, it take lots of time and effort. Below shows you how your Fico score is calculated.
What’s In Your FICO ScoreFICO Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining your FICO score.
These percentages are based on the importance of the five categories for the general population. For particular groups - for example, people who have not been using credit long - the importance of these categories may be somewhat different.
Payment HistoryPlease note that: