This informs you where your mid-score might be if you increase balance(s) on your credit card(s).  This is critical information if you plan on incurring even a small increase in debt.  FNMA and FMAC guidelines require your lender to obtain a current credit report (often referred to as a “refresh report”)  just prior to your scheduled loan closing.  Should additional debts, delinquencies or a score decrease occur, you may not qualify for the stated rates or terms.