Major lenders like FHA do not look at scores – they view your reports in full detail. That is why it is so important to sweat the reports and not the scores.
Sweat knowing how to keep pristine credit.
Such as paying credit cards in full each month is an easy way to get top credit worthiness.

Fraud alerts are a waste of money.
You are never reponsible for one penny if someone steals your identity.
A couple of phone calls and maybe a letter is all the trouble you will go through.
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