You will take an initial hit due to AAoA and a HP.  However this will fade over a little time.  Installment accounts don't factor into you Util.  If you age it for a year and pay it off, it will stay as a positive TL for about 10 years so no problem there.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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