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In the process of increasing credit scores for a mortgage:
Current FICO8: 661/678/668
DTI: 17%
Current utilization: 51%
Question...is it better to AZEO or pay all remaining debt down to 30%? Remaining cc balances have high utilization (avg 95%)
Any help is appreciated!
Not sure which is best, but I do know that either of those two are better than your current 95% utilization and therefore would recommend doing whichever was easiest for you to obtain considering where you are now.
I just hope I'm not looking like Captain Obvious here.
Of course we also don't know the length of time these accounts have been open as that's another factor for consideration when it comes to optimizing scores.