hello all, its great to find a forum like this. hopefully some of my questions can be demistified. i will apologize for the lack of brevity now, any advice or answers are greatly appreciated. my questions are as follows:
1- i will be paying off 4 credit cards with high balances within the next week, how long will it take for these to post to my credit report and if i keep the balances on all of the cards at 0% how much will this help my score?
2- i have had one of the accounts closed by the creditor(citi) as a result of a 90 day delinquency, on all of the other cards i have never missed a payment in the 2-3 years i have had them. after paying this balance to zero, will this still negatively effect my score? what steps can i take to make this look better? open a new account with citi?
3- i joined a credit union this summer and refinanced my car with a 6.25% rate. my dad cosigned to enable me to get such a good rate, i was told my score was 685 at the time. my other scores were 654 and 625. i worked at the dealership and i saw the report. will this help me in getting another car loan if i decide to trade in?
i realize these are random questions, again, i appreciate your help.