Hi everyone! My MMS is 12 points away from where I need it to be for a USDA loan. I am on month two of AZEO. I have one charge off with a large balance that I settled 3 weeks ago. I'm waiting for that to update and hoping it gives me a few points. I currently have my auto loan and a self loan I impulsively opened in January. Do you think paying off my self loan will help or hurt my mortgage scores? It's only updated once (in January), which is super annoying, but I think having less installment accounts with a balance is the way to go. Right?
thank you!
