Hello, myfico community! This is my first post, although I have been following myfico forums for years. So my situation is as follows... I was approved for a home loan in October of 2021( New Build). Not the best scores but I was approved for 550k. My loan officer suggested I open a new bank account because I had too much going on with my current one. I did. In doing this I somehow forgot to switch my auto pay on my car payment and received a 30-day late hit which dropped my score tremendously. I have 2 car loans FYI. The one with the late will be paid off next month. I am trying to figure out a way to bring my mortgage score up quickly. I currently have 2 store cards and 1 cc the total utilization is 10%. 2 car loans one being paid for next month. 1 installment loan which is paid off and should report as paid in the next 2 weeks. (will this hurt the score? .1 student loan which is deferred d/t pandemic (will making payment hurt?). 2 baddies under $150 tried to get them removed and they won't do the pay for deletion. Does paying off baddies increase mortgage score if they were to say yes? Is there a magic utilization I should get to bring up scores? I'm am all over the place and stressed out! Any advice would be greatly appreciated more than you know. I believe the last time I tried AZEO my scores dropped instead of increased. I am locking in my rates hopefully in the next 3-4 weeks.
