please help...

[gonzo]

Right now my credit scores are in about the 630's. My CL is $3700. And right now I am right about at it. 2 days ago I paid down 1800 of it. Question being: If I pay it down to under 10% is it possible for me to hit the 700 mark?..Or are there any guesses as to where i might hit?..I have no derog. or CO's.

[andyaycw]

How long is your credit history? What other types of accounts are listed in your credit report? How many times have you applied for credit in the past 6 months? 12 months?

[skip519]

My credit history is 9 years old, my accounts avg to 3 years old. I have 3 cc's. 1 new account opened in the past 6 months, all others are over a year.

[andyaycw]

Hm with no negatives on your credit report, I would say that you stand a relatively good chance of hitting at least into the high 600s, if not lower 700s.

High utilization takes away quite a bit of points on your FICO.

[Anonymous]

and for the record, for most loan types, there is little or no difference between 680 and 700. they are in the same "bucket" so if you get up to like 685 or something, you'll likely get the same rates and deals as if you had 700.

[sunrise]

There is a darn good chance your scores will be near 700!!  You have a really great chance of going over 700 if you can pay-off all but 1 cc (leave the last cc w/ approx 3% util)

Keep us posted on your results!!