We have applied for a mortgage. We are going with USDA loan and needed mid score of 640. DH had a 644 and I had a 639. Woke to an alert on equifax score watch on Christmas that I got three points and a one point increase today which puts me over the mid score. This past week logged onto capital one to make sure payment posted on my $300 credit card to find out I had a $3000 CLI! I only have the one card and now the balance is $54. I am authorized user on my husbands other cards which are at a higher utilization. Right now overall I am at 18% utilization. We are continuing to pay down UTI on his cards. Should I let mine go to zero or keep it between 1-9%? Our scores are so close so I don't want to lose any points.
