RachelEllen
DIS Veteran
- Joined
- Jul 13, 2001
- Messages
- 1,363
Hi,
Does anyone here know about credit reports? I remember reading some really knowledgable info a while ago.
I'm looking into getting a mortgage and there's a really attractive one I want, but it requires a score above 750. Last time I had checked, my scores were there, but now they are in the 700-720 range. There have been no problems with my scores (no late payments, nothing) , but I did apply for two credit cards and got some inquiries. Could these have dropped my scores that much? Am I dropping my scores by checking my own reports (I had thought pulling your own reports wasn't a negative)
It's rather frustrating, as I consider myself to have 'perfect' credit. Is there any way to bring my scores back up? How quickly can this happen? Anyone know??
Does anyone here know about credit reports? I remember reading some really knowledgable info a while ago.
I'm looking into getting a mortgage and there's a really attractive one I want, but it requires a score above 750. Last time I had checked, my scores were there, but now they are in the 700-720 range. There have been no problems with my scores (no late payments, nothing) , but I did apply for two credit cards and got some inquiries. Could these have dropped my scores that much? Am I dropping my scores by checking my own reports (I had thought pulling your own reports wasn't a negative)
It's rather frustrating, as I consider myself to have 'perfect' credit. Is there any way to bring my scores back up? How quickly can this happen? Anyone know??
