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Going on app spree in march 13--balance question

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coachmiff
Regular Contributor

Going on app spree in march 13--balance question

Have the following accounts

navy fcu visa 7000/250

usaa mc  1500/0

military star 2500/0

wallmart store card 600/0--(neww 1/13)

cap 1 car loan owe 2500--paid in oct 13

 

aaoa 2 years equifax 680-(-that's all the below lenders care about)

 

no inquires last 6 months--3 previous 6 months

 

question is--do I pay off all accounts down to zero or leave one with 10 Dollars or all four with 10? Only owe navy 250--pay off car early help?(doesn't show on utility)

 

asking navy for cli on visa

applying for navy rewards mc + navy check(line of credit on checking account)

applying for chase military star--upgrade of above

and finally ussa world mc

Navy Siggy Cash Rewards 25K , Navy plat visa 25k,navy go 25k, Navy Check 15K, , USAA Am Exp 18K, USAA MC Rate Advantage 18K, Discover IT 18.5K, PayPal Extras MC 7.5K, Chase Military Star MC 2.5K, Military Star 8.05k, Wallmart discover 7.5k, Amex bce 25k,Boa cash rewards25k, southwest chase 4k, nasa cr 30k,nasa rew 5k,barc rewards 25k=279k+ scores 750 across the board
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shakalaka
Established Contributor

Re: Going on app spree in march 13--balance question

Pay off all CC. Leave on one CC a max of 9% of the CL of this card. This should give you the best score.

 

car loan I do not know.

 

Good  luck with your upcoming spree.



FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K
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Leadberry
Established Contributor

Re: Going on app spree in march 13--balance question

FYI, just last week I had Navy pull TU for both Platinum MC and Navchek.  Just something to keep in mind.

   
FICO Scores 800+
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