I paid off $ 2.5k worth of credit card debt and my FICO 8 scores jumped up 40, 41, and 80 points. Hooray!
Equifax 654 to 694
Trans Union 661 to 702
Experian 704 to 783
I just paid $ 60 for my 3b report 2 weeks ago, before the credit card payoff and updated FICO scores, and my mortgage scores were 660, 705, 723. Is it fair to assume that my middle (trans union) mortgage score might be 720+ now after the 40 points increase in the FICO 8 scores? Or should I just pull the trigger and pay another $ 60 to make sure either way…??
My goal was to get to 720 before giving my LO the green light to do a hard pull, and I’m not really wanting to spend the money needlessly! But I will if wise myfico members think I should . . .