[abfunders]

What many MCA funders don't realize is that score is only a balanced metric, it won't say much about the habits. Not all 700 FICOs are created equal. I have personally seen a client with $100,000 of credit card debt with a 715 FICO.

What really matters is how well you built your credit profile, which sounds like you are very very on top of that. How many cards, what type of balances you ran up on them, how to pay down debt, are they under 20% now, do you have at least one installment loan (mortgage), are you maxed out on your HELOC, how many inquiries in the last 24 months, how recent are the lines you have. The lenders are worried that you'll run up all of these various extra debts and declare BK and have 7 years to pay them off.

Every lender chooses which FICO to use. FICO score 10, 10T and Ultra are the newest models, but they're not widely adopted yet.

Read more about it here: https://www.myfico.com/credit-educat...ew-fico-scores

Hence, when I work on the 0 APR credit card method, we look at the credit report, not the final "score."