Final PUSH for best Mortgage Score... Need 1 question answered please

[Anonymous]

Current Mortgage Scores - 601, 602, 670 - They take the middle score.

Current UTI: (21% Agg)

Amazon 0/3000

USAA 0/2000

WayFair 0/750

BofA 0/1000

Navy Federal 3375/10000 (33.75%)

I have the ability to pay all, some or none of Navy Federal this week before the closing date of the 9th.

Question: What do I pay the $3375 balance being reported down to for the best boost to my score:

Possible Answers:

A.) $0

B.) $3

C.) $890 (8.9% and 5.3% Agg )

D.) $590 (5.9% and 3.5% Agg)

E.) Some other amount and why

Final hard pull should be mid Feb so it'll have 2 months to percolate

I am assuming B would be best so that I still report a balance, but is 0.0003% to low?

You all are the experts and I would appreciate any advice or experience

You're Welcome for the multiple choice. HAHA!

Cheers,

Brew

[Adkins]

That might be too low since you've got a good limit, so it might report out 0%. It shouldn't, but I wouldn't take a chance on something so important. I would do 1% to be safe, and maximize your score. Good luck!

[Anonymous]

I wouldn't have thought of that. Thank you!

F: $100 so it reports at 1%

Cheers,

Brew