So my scores are:
Fico8 mortgage scores:
What is the best way to improve my mortgage scores so that they can mirror my fico8 scores? I am using 55% of my available credit on my cards will i see huge improvements if I reduced that to 1 or 2%? I currently have a mortgage and had a loan modifcation aprroved on December 2014 and since then i have been making on time payments, could this be the factor that is weighing heavy on my mortgage scores?