preparing for first home purchase

[Anonymous]

I just need some advice on what to do for the next 6 months in order to maximiaze my fico score Im at about 660 right now. I plan on purchasing a condo within the next 6 months. My monthly income is about 3500. What do i pay off? I plan on not applying for credit the next 6 months.

here is my revolving accounts

Macy's 300 dollar limit balance = 0 Im just going to keep this at 0 balance they dont report a limit grr

kays Jewlers 2000 limit balance =0

chase credit card 2500 limit balance = 254

hsbc best buy 320 limit 0 balance

orchard visa 300 limit 0 balance

AMEX GOLD 1397 HIGH BALANCE = 0 OWED

Installment accounts

car loan 4400 -1310 balance owed

student loan nelent 1313 - 298 owed

student loan nelnet 3500- 1320 owed

Student loan Direct loans 14977 - 11000 owed

Should I pay off my nelnet and car loan in full or keep them reporting?

Shoild i start charging  a small amount on my 0 bal cards?

Let me know credit gurus when you have time

[mauve]

I'd rotate a less than 9% balance among the credit cards to keep them all open and reporting.  Don't touch the installment loans unless you're going to pay them off to improve your DTI - it will not improve your score to pay them off or down. 

[Anonymous]

SOUNDS GOOD I HEARD KEEPING A 0 BALANCE HURTS MY SCORE ON MY CREDIT CARDS

I USE CREDIT CHECK TOTAL AND THEY SAY HAVING TOO MANY INSTALLMENT LOANS HURT MY SCORE AS WELL IS THERE ANY TRUTH TO THIS  BECAUSE I COULD ELMINATE 3 OF MY INSTALLMENT LOANS NEXT MONTH

[mauve]

CCT will give you advice to raise your FAKOs.  0 across the board is slightly less good than 0 on all but one and less than 9% on that one.