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I have some debt so I used the majority of it to pay off 3 credit card balances I was carrying. Should see a boost in my scores very soon!
However, every year I try to treat myself to something with my taxes so it is paying for my vacation If I could, I would adjust my withholdings and take that money right away each paycheck, but my employer takes out more of my commission check (I work in Sales), so it's hard to estimate the best withholding.