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Reply to "credit scores; home loan"
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[quote=Anonymous]DH and I have credit scores of 806 and 814 (Beacon scores). the reasons were that the amount owed on revolving accounts is too high, lack of recent installment loan information, too many inquiries in the last 12 months, too many accounts with balances, time since most recent account opening is too short. We are in the market for a home mortgage. Is is worth making some changes to improve our scores? What should we do? Right now the amount on revolving accounts is high because we auto-pay most of our bills through a credit card, we have not taken any previous loans and do have a lot of credit cards (with 0 balance). [/quote]
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