<prompt> Human: Hey PF need some advice. Im trying to go to settlement on my first house ever and the mortgage rep told me since my credit score was below 740 I owed 1 point2250 at closing. The crazy thing is my score was 745 a month ago and between their hard pull and me allowing my CC to go to a balance of a grandnot paying interest, just carrying a balance for now to have money for closing dropped my score. With 2200 I could easily pay down almost all of my current debt and my score would go above 740. The mortgage lender is telling me my score wont update in time for settlement and Ill owe it anyway. My settlement date isnt until the 1st of September and Id really rather not throw that money away. Can I tell her Ill only take the mortgage contingent on my score going up they remove the point? Anything else I can do to quickly raise my score?I have one account 3 months old that is paid off I could close if need be. Thanks for any help!  <response>: Get a second mortgage offer from another bank. Shop banks just like you would shop anything else. 