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First question I got is Need help with Discover Card on PayPal? Thanks in advance for any answer. My other question... I'm trying to make my FICO a little better. I'm trying to get a mortgage from National City. My FICO is 728 and 734 and I cannot get the best rate. I don't know if I need 740 or 750 for the best rate. |
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Good question... I dunno what is the answer to that question. I'll do some Googling and get back to you if I bump into an good answer. You should email the people at Discover Card as they probably could give you an answer..
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I sent a request to BoA asking to change my credit status to the Contact us address on their web page and a hard copy to their mailing address. I haven't gotten a reply but now every day I'm getting 1 or 2 or 3 emails from credit report service companies, not the big three, saying that my credit score may have changed. Do you think BoA has done anything? Do I just go through the free credit report from the services? Does that give me my number?..
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Only place that I know of to check your actual honest to gawd fico is myfico dot com.
You can check the accompanying reports to see if the lates are removed..... |
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What are the limits and balances on your CC's?.
You might just be able to pay down the cards and get to where you need to be... |
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Get your utilization in between 1 and 10% - FICO likes this range better than 0%. I can't tell from the OP whether he is carrying balances right now or not... Might also try for some *B* if you have recent inquiries (12 months).
This post has been edited by. Kip. : 04 January 2010 - 07:45 AM.. |
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Somebody also said there is a.
TRANS UNION. F.I.C.O.. (but you have to look hard for it).. |
