Will I have enough credit?

I currently have a morgage balance of 79,558.88. We bought the house last october 06. I Have until November of 2008 to get it refinanced or get a fixed rate, right now I have a ARM rate. The last time i checked my credit they said my middle was 641. The go by the low and the high and told me my middle (if anybody understands that) sorry! I got approved for a walmart credit card (not the discover). My question is when november comes around and I keep good standing on my house and credit and other bills. Do you think I will have enough credit to go to the local bank and get it refinanced there? I am paying countrywide right now and the bank I am looking at goes through countrywide to does that make a differnence? Or any adive on what i should do. Also I was gonna send extra each month and try to have about 76,000-75,000 left on the loan when i have it refinanced. Should knock off a couple of thousand dollors.

Will I have enough credit?heart rate monitor

did you go to optout.com that will raise you credit and everytime you check your credit or someone else checks it your credit score goes lower, only spend 40% of your credit limit and pay it off in full all the time if the house is in Virginia or Maryland my dad can help you out better then i can he owns a mortgage company email me if it is in Virginia or Maryland

Will I have enough credit? loan

If your middle is 641, they should be able to tell you your high to, you could run your own credit score at either of the three credit websites, Equifax is the best one for me. But anyway, if 641 is your middle I do not think you will have any problem, do not open anymore accounts until after you have refinanced.|||Inquires (when someone checks your score to send you pre-approved mail) does not affect your score, so the person above is wrong. Pre-approved mail is considered a soft inquiry and does not hurt you. Hard inquires, when you apply for a line of credit, do not hurt your score either unless you are delinquent (late payments) and hanging onto the edge of dropping your score down. You still would have to have a lot of hard inquires. If you shop around to find the best rate, credit bureaus combine all inquires into one within a two week period. I would think you would be okay re-financing as long as you make all payments on time including cable, electric, phone, and credit cards, etc. Any bills you have build your credit history, so never make a payment late. I would try to re-finance with CW themselves when it comes time. They should work with you if they want to keep your business. FYI... Experian always has the freshest data, so encourage the lender to pull your report from them.|||A 641 mid score should suffice, if you can fully document your income. My advice is to go ahead and find a mortgage broker and have them shop rates for you. Make sure it%26#039;s someone you can trust and make sure you are educated about the situation. Know what the best rates are, shop around and get the loan you want.