[maat55]

Originally Posted by jIM_Ohio

First- my score is higher than yours, did I win anything?
Second my wife's score is lower than yours- did you win anything?

Credit scores only matter if you need to tap credit. You got dinged a few points because you probably had mass inquiries when you refinanced, and over time (6 months) you should see scores rise.

I have not checked my credit since we refinanced last spring. I would not worry about identity theft unless you are using credit quite a bit (like using your cards everyday, or purchasing things online).

I would worry more about cash flow and household budget, and then worry more about saving enough, then worry more about interest rates on mortgage before I worried everyday about a credit score.

If you have a credit score of 775 with little savings and I have $500,000 in the bank, but a score of 650, which situation is better? If I had to take some credit risks to get the 500k, then the risks are worth the lower score.

The risks taken might be not using credit at all.

I knew you were a closet DR fan.