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03-27-2018, 09:56 AM #17
- Join Date
- Feb 2017
- Posts
- 3,429
The difference between a 760 and an 800 isn't very much. However, there probably are extra inquiries that could push it down 10-15 points.
It is worthwhile to use someone to remove "stray" or "extra" inquiries. Prevents the regular banks who care about "shopping around." Credit card limits might get higher as well. Lenders like Velocity or MCA companies mainly care about the FICO itself, so a 760 is the highest "low-water" benchmark I've seen in the non-bank world to get the best rates.
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