kleiner wrote:I had some bad credit in the past. It is currently getting better. I am selling a house an plan to use some of it to payoff a mortgage and a car loan. When you read about your FICO score it always just talks about reducing your credit card debt which I really have none. My current Fico Score is 720 and I haven't had a late payment in 6 years. I will make all my debt go away, but the FICO simulator doesn't take in effect installments paid off fast.