Help improve Mortgage Scores!!!

Help improve Mortgage Scores!!!
PhilipWen asked 3 years ago

So my scores are:

Fico8                  mortgage scores:

Equifax:650        584

Trans:641           599

Experien:630      558

 

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?

 

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