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Ideally, your FICO scores will be 700 or higher, though you want them to be as high as you can get them. Mistakes happen more times than the bureaus want to admit, so the first thing you want to do is dispute anything on there that shouldn't be. But for those interested in holding off until Chase launches its next 60,000-point offer, the extra 20,000 bonus points may be worth the wait in the long run.