All 3 were low 700's when I last pulled them on Myfico in July before all utilization was paid off. Can't remember exact numbers and the credit reports are no longer available and they were the mortgage scores. Everything was paid off August 17th with the exception of leaving one card with a $40 balance to get highest scores possible. But the major 2 won't update until September 15th which are both NFCU cc's. I have nothing bad on reports, I just had a lot of utilization. So I paid everything off in hopes to get to at least 740 but would be even happier with a 760 middle. But timing has been killing me because I went under contract with an under-construction home sooner than I had planned and now they plan to close October 9th. So I'm left with the dilemma of when to pull and time is of the essence now. My home I recently sold will report PIF on the September 10th statement and I'm not sure how that will affect me either if I wait. I always do this to myself. .lol. I either pull the trigger too soon or too late. I just want the best terms to keep my mortgage payment down. And NFCU won't give specific scores needed so then the "what if" lingers in my head. If they would rapid rescore anything that hasn't updated I wouldn't be worried but they only do 2 accounts. So I'm thinking of pulling the trigger on the 6th when all but 3 are updated and then ask them to rapid rescore the 2 accounts with them. The last account will report $913 balance out of $4000 on a furniture card I forgot I had and paid off last minute. It was on auto-pay only $29/mth, 0 interest until 2018 but it won't update 0 balance until the 15th or 16th.
