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Don't buy updated FICO score and reports until August!

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Moderator Emeritus

Re: Don't buy updated FICO score and reports until August!



nomoremistakes wrote:
Hi all...just discovered this forum, although used this site for months.
Using the FICO simulator, it suggested paying down $797. of my current credit cards(That is may total balance), that would have the biggest positive increase on my score....
would you suggest using my Home Equity loan to pay this & obtain a zero balance or just pay it of in the next 2-3 months? I'm looking for the quickest increase....



Is your HELOC reporting as revolving or installment? Payment down revolving debt will have the greatest impact on your scores.