Confused about the FICO and the credit scoreMy FICO is currently 603, last week it was 610, but it dropped because of a 20% balance on my credit card. To me it doesnt make sense because it was only 20%. My credit score is 641. I want the best interest rate as soon as possible. Should I wait until the FICO goes up before applying for a mortgage? My wife thinks 640 FICO is the magical number.May 31 2013 - Philadelphia00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.