I am buying a house in about 2-3 months. I need my credit score to go up about 15-20 points in order to be in abetter loan package. I just recently paid off two cards of about 15,000.00. The cards now have zero balance and are closed. Will this help my score?
Also, since this is time related, I need the score to change a.s.a.p. My underwriter said that card companies can report to the 3B's electronically, in order expidite my score. Is this possible? Can I request to have the credit companies report to the 3B's electronically?