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Registered: ‎03-16-2017


My credit is around 820

15k in student loans  (9Loans), installment loans, average age 11 years

900K in mortgages (8 Loans), installment loans, average age 5 years

20 Credit cards 

my age of credit is 8 Years


My question is since I will pay off the studnet loans the mix of intallmnet loans to other credit will change, but I sitll will have 8 mortgage, to what extent does that changes fico 

and does it distinquses between student loans and mortgages or grups them all in installment category.


Since average age of studne loans is 11 years and average of credit i 8 y it wil reduce the average time of credit so want to see how would that change credit.


also reducing balance on total debt will by by only 15K which is not much compare to 900K still outstanding so not sure if this will help me at all 


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