Contesting is a huge risk if you don't win as mortgage lenders wont let you refinance with open contested lates, they want the contest to be settled.
Nice info didnt realize
5 is the correct number of open credit typically for 800 fico, but you want zero balances and them to be over 5 years old. Basically never close a credit card, let them close the card.
Weird, my credit score site says 11+ 5-9 is in the average range
Auth user is supposed to be a closed loophole, but its not. Take full advantage of this, but make sure the card has almost no balance
Should I be worried about not getting grandfathered into this?
asking for more credit on all cards is smart
time of credit is huge, 3 years is nothing, 5 years, 10 years, and 20 years really helps
Wasn't trying to say my cards are at 3 years, was just saying in the last 3 years it has ADDEd 3 years to the time, bumping them into good levels.
credit is based upon what you owe on the last day of the month, pay off all credit cards on the 30th or 31st no matter when the cycle actually is, basically pay credit cards early.