Mortgage increased only 7 points compare to 45 points increase in FICO 8

Mortgage increased only 7 points compare to 45 points increase in FICO 8
Profile photo of asked 11 months ago

Hi
 My mortage score increased few points compare to Fico 8 score.

Here is my situation 

On Dec-15-2015   
     
badcock storecard : $ 0/$ 1300
capital one :      $ 340/$ 1500
capital One :  $ 0/$ 500  
capital One :  $ 0/$ 500  
capital One(AU)  :  $ 707/$ 1600
chase  :  $ 198/$ 1000
credit ONE  :  $ 14/$ 450
BOA  (AU)   : $ 682/$ 2500
BOA  (AU)   : $ 24/$ 1000
BOA         : $ 4024/$ 7000 (2 late payment in Dec 2014)
BOA   : $ 1630/$ 3000 (1 late payment in Dec 2014)
jcp   : $ 0/$ 1000
target     : $ 0/600
vystar      : $ 5788/$ 8000

 

Credit UTL : 47%

Fico score 8
Experian : 671 
Equifax : 645 (2 collection)
TU : 647  (1 collection)

 

Mortgage score
Experian : 656
Equifax : 614 (2 collection)
TU : 627 (1 collection)

 

Now on April -11-2016

 

badcock storecard : $ 0/$ 1300
capital one :      $ 0/$ 1500
capital One :  $ 0/$ 1100  
capital One :  $ 0/$ 1100  
capital One(AU)  :  $ 405/$ 1600
chase  :  $ 14/$ 1000
credit ONE  :  $ 8/$ 700
BOA  (AU)   : $ 0/$ 2500
BOA  (AU)   : $ 118/$ 1000
BOA         : $ 3354/$ 7000 (2 late payment in Dec 2014)
BOA   : $ 1329/$ 3000 (1 late payment in Dec 2014)
jcp   : $ 0/$ 1500
target     : $ 0/600
vystar      : $ 2271/$ 8000

 

Credit UTL : 24%

Fico score 8
Experian : 715 
Equifax : 677 (2 collection)
TU :   693 (1 collection)

 

Mortgage score
Experian : 664
Equifax : 626 (2 collection)
TU : 634 (1 collection)

 

You can see my UTL lower down from 47% to 24%, but I got few points increase in mortgage score ( 8 points in EX, 12 points in EQ and 7 points in TU) but FICO 8 increases (43 points in EX, 32 points in EQ and 45 points in TU)

 

I tried my level best to boost mortgage score, but don’t see much improvement. Any idea or suggestion welcomes.

 

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