I'm 1 point away from a 620 as I go for my loan -- doing a rapid rescore with my broker that should give me 11 points. My question is that I have  2 other cards with above 30% utilization. I've heard that there are instances where if you pay them off too soon it can actaully negatively effect the score. Since I'm so close to where I need to be I want to be cautious. Should I pay down to $0 balance? And if so will I see an uplift or decrease in scoring. Thanks.