I have plans to refinance mortgages to both my homes and purchase a car this fall. I want to do so prior to end of year because I have kid enrolling in college next year and it would be favorable to take this hit and load this debt prior to completing the FAFSA in early 2013. In order to minimize the impact on my FICO score, I'm wondering if it's better to stagger the transactions, maybe month to month or should I try to do it all around the same time. Any thoughts would be appreciated.
