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The car refi will lower your score, but get your DTI in check.
The paying off the cards will raise your score.
I would go with the cards.
it all depends on your profile, but my scores are in your range and dropped about 5 points when I bought my car over the summer.
i thought that usda mid fico only needed to be 640. Did they change this. Ill be applying in july. thanks
But I thought it was USDA guidelines to have a 660 to get a waiter for ratios.