Sorry, I am eager to ask the question but cannot input Chinese now.

JMs, I just found out my FISCO credit is 794 today. It was corrected from 688 to 794 on 10/27.

But, when we made the loan to buy the house, I was not aware of the credit change. I told the loan broker that I had a credit of 688. The loan broker made the pre-approval for us 2 or 3 months ago, so he remembered my stody. He told us that the rate he would lock for us only requries a credit of 680 or above. So we locked the rate at that day.

But now I found out actually my credit was back to 794 before we locked the rate. I asked my loan broker whether he could get us a lower rate since my credit is much better now. But he said no.

My friend who is also a loan broker told me that the rate for 680 or above cannot be the best rate. For my case, the 6% rate could be lowered to 5.875% even locked on the same day.

My question is, is it possible that I can get a lower rate based on my current good credit? I feel a pity that I still get a so-so rate with my good credit score.