FICO Psycho

If I could of reached my hand through the phone and strangled the representative from FICO on the other end of the phone, I would of. Got a client ? teacher, divorced, been on the job 30 years, good credit except for some minor dings, SFR, trying to do a cash-out conforming refinance to pay off some of her outstanding credit card debt. Pretty much done deal (even with the lower appraised value) except her mid-FICO score is 679 and we have price bumps for: <75-80% LTV cash-out refinance >680 mid-FICO score So I tell her we have to raise her FICO mid-score by one single point. We sit down and review her credit report in detail. I hand and email her my credit repositories letter detailing how to legally clear up your credit history with Experian, Equifax and TransUnion complet