So I'm expecting a pretty decent bonus in November, in which most will be used to pay off/down debt.  Currently my debt-to-income ratio is about 71%.  I'm looking to get it around 35% after paying off some loans and CCs.  Haven't been late on ANY payments in over 5 years.  What kind of score increase do you think I can expect?  Not looking to buy anything...yet, but I am trying to qualify for a better int. rate on my car, currently 7%.  Thanks.