I have a signed form for the court showing a $1500 judment paid off. Should I forward copies to all Bureaus since I have to re-fi my 2yr ARM in July? Willl that add points? Right now I'm at 672,608,602. I'm scared that the bank will take my middle score and I won't qualify for a prime loan. I need to get the other scores up QUICK! I have very little debt. Just a CC with 1350.00 limit at a $1000.00 bal. Should I pay it down in half?