Paying down loans

[pkenn]

So here is my question...

i have one baddy a few years old with $0 owed.

i have 1-3% usage on all my revolving accounts.

i have two small personal loans

should i pay the loans down to the next threshold ir two? ( they are fairly new)

would it impact my score some or not as much as when i paid down my cc's?

[FireMedic1]

Credit util is more sensitive than installment loans. Loans really get their positive score impact once below 8.99%. Since your at 1-3% util on your cards. Not much wiggle room. Cant go any lower. Never hit 0%. If you can payoff 1 loan and leave 1 open. That helps your DTI. But if you pay early does it push the due date out is the question like a SSL. If not, then not much more you can do.

[satio]

Not knowing the amounts or the terms of the personal loans, I would factor in the interest rate you are paying for those loans.