Sorry, I thought I had included all of my info. I'm paying off my revolving credit accounts - less than $4,000. So do you think paying off such a small amount will impact my credit score enough to get me up to 680 from 674?
Listen to the experts on this site.... DO NOT pay all your balances to zero!!!!!!! Unfortunately b4 I found this site; I rid myself of all my CC debt... mistake I made was not only zero balance BUT closing the account... IF only I knew what this was doing to my credit! Now; as we are finalizing our loan for our new home... this mistake will cost me an additional $250 per month in terms of a higher rate... because my median score is 715.... I need 720 to qualify for the lower rate... Moral of story... If I would have not paid off and kept a couple open... I would have the needed FICO of 720.