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itzateach wrote:
I have 3 credit cards all maxed out right now but my home is up for sale. In the sale, I will be able to pay them all off leaving me with just the car/mortgage payment. Right now my scores are 638, 640, and 645. According to the simulator, if I pay those 3 cards off in 12 months I will be mid 700's, but I want to pay them all off at once. When I simulate that, I only go up about 40 points. How accurate is the simulator? I have no lates and my bankruptcy is 5 years old and scheduled to start dropping off in november through oct of 09. My oldest history is about 12 yrs. old.Should I pay them off at once or space it out??Thanks in advance.
itzateach wrote:
When doing the simulator for all 3 it shows my score 720-760 if balances paid off over 24 months. I would sure like to see it jump up to that if paid off in full! Any chance of that?