toverfie

I guess I felt that my score was kind of crappy (620-640)... and I had A LOT of bad things (judgements etc.) on my credit report. My mortgage broker went through my credit line by line, told me what to fix/pay off, and had me a 30 yr fixed mortgage for 125k at 5.7% (the going rate last fall) in 60 days....Many of those bad things ended up not mattering since I resolved them with the courts and creditors even though my score never really changed. That was a year ago and my score still hasn't changed even though I have 0 credit card debt, no outstanding judgements, and am current on my child support, mortgage, utilities, etc.......My experience is completely "common man"...and I am guessing this is more your line of work...I appreciate your comments and input...