« on: May 18, 2005, 01:09:11 PM »
I apologize if this was mentioned earlier in the thread, but reading this page has been very helpful. My question is, I currently (or at least early last month) had a credit score in the low 600s from all three bureaus. I have been working to get the balances down, and should have them down to under 50% of available credit in use by July. My question is this...how long can I wait...like the absolute last point in time...before going through the loan application process? I obviously want my score as high as possible, but don't want to jeopardize not receiving funding on time either. But I also don't want my report pulled too many times, because I know that affects things negatively as well.