@Anonymous Which one has the next earliest closing date Discover or NF? Pay to zero that card. Seek AZEO All Zero Except One card reporting a small balance will get you there and then some.
@Anonymous wrote:
@AllZero wrote:@Anonymous Which one has the next earliest closing date Discover or NF? Pay to zero that card. Seek AZEO All Zero Except One card reporting a small balance will get you there and then some.
Discover closed on the 6th.
CO closes today (just paid that to 0)NF closes on the 22nd
ive been reading about that! I'm definitely doing that as well.
The CO at zero will probably get you there.
For a few dollars more, paying to zero the NF, you should get extra points for a little score padding in case you need it.
@Anonymous wrote:Hi everyone! I hope some can help.
I am currently trying to raise my mortgage middle score by 1 point!
EX 701TU 679
EQ 660
Revolving Credit:
Discover 500 limit 25 balance 5%
CO 400 limit/15 balance (just paid to 0 today) 4%
NF 1000 limit/ 10 balance 1%
Car Loan 14k balance
Student Loans - deferment
My aggregate utilization is 10% with what reported last month.
No collections!
Do you think getting my aggregate below 8.9% will give me that one point I need from TU?
With the mortgage scores it's more effective to increase the number of zero balances. You should go to reported balances of zero on Navy Federal and one of the others, and let the 3rd one report a small balance before you pay it off. That should pick up the points you need.
