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re: Credit Score Questions - Future home and car purchase
Posted on 8/10/16 at 3:16 pm to kennypowers816
Posted on 8/10/16 at 3:16 pm to kennypowers816
Credit inquiries older than 6 months have little to no impact on your mortgage FICO score.
If you pay your credit card in full before your statement period ends to report a $0 balance, that is the best way to improve you credit score.
Your creditkarma/CC statement/free credit score does not give you the FICO score used in mortgage decisions. Credit Karma uses the FICO 8 or 9 model that is typically ~50-75 points higher.The only official score can be found for a fee from the company that generates the scores FairIsaac on myfico.com look for a package with the mortgage scoring model
If you pay your credit card in full before your statement period ends to report a $0 balance, that is the best way to improve you credit score.
Your creditkarma/CC statement/free credit score does not give you the FICO score used in mortgage decisions. Credit Karma uses the FICO 8 or 9 model that is typically ~50-75 points higher.The only official score can be found for a fee from the company that generates the scores FairIsaac on myfico.com look for a package with the mortgage scoring model
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