The difference between 720 and 719 is approximately $25 a month of payment on a $100k mortgage. Take that out say 30 years and you are looking at 10k to 15k of free money just by changing a few things or waiting until the 10th day of the month to pull credit. Typically creditors tend to report to the bureaus around the first of each month and by the time the updates get published around the 10th day you could actually earn the point without changing a thing. So be wise to credit and save your self and your pocketbook some free money.

Cheers.