https://ficoforums.myfico.com/t5/General-Credit-Topics/EQ-Score/m-p/581779#M135383 I had a $5720 balance on my personal loan and just paid $4000 on it bringing it down to about $1720.&nbsp; I've only had this loan for about 3 months.&nbsp; Will my score rise or fall? &nbsp; It is currently a 716.&nbsp;&nbsp; I will probably pay this down to about $200 and hold until about 6 months before paying off. Fri, 02 Oct 2009 00:55:12 GMT babbles 2009-10-02T00:55:12Z https://ficoforums.myfico.com/t5/General-Credit-Topics/EQ-Score/m-p/581779#M135383 I had a $5720 balance on my personal loan and just paid $4000 on it bringing it down to about $1720.&nbsp; I've only had this loan for about 3 months.&nbsp; Will my score rise or fall? &nbsp; It is currently a 716.&nbsp;&nbsp; I will probably pay this down to about $200 and hold until about 6 months before paying off. Fri, 02 Oct 2009 00:55:12 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/EQ-Score/m-p/581779#M135383 babbles 2009-10-02T00:55:12Z https://ficoforums.myfico.com/t5/General-Credit-Topics/EQ-Score/m-p/581909#M135388 <P>Based on what I have read here, your credit score should increase. &nbsp;</P><P>&nbsp;</P><P>You will have less debt. &nbsp; &nbsp;<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> &nbsp;</P> Fri, 02 Oct 2009 13:33:41 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/EQ-Score/m-p/581909#M135388 IOBA 2009-10-02T13:33:41Z https://ficoforums.myfico.com/t5/General-Credit-Topics/EQ-Score/m-p/581938#M135389 IMO, your FICO score will remain unchanged, with all else being equal. Fri, 02 Oct 2009 14:34:51 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/EQ-Score/m-p/581938#M135389 llecs 2009-10-02T14:34:51Z