Hopefully it won't go down, maybe go up a bit. Funny how these work sometimes. You'd have to have that paid off for your mortgage anyway. Now you need to GW that paid account!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
The CO is being factored into you utilization and killing your score. While it will help you score, like others have said, there will be a black mark.
