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Jen79 wrote:
Sorry, I thought I had included all of my info. I'm paying off my revolving credit accounts - less than $4,000. So do you think paying off such a small amount will impact my credit score enough to get me up to 680 from 674?
@64met wrote:
Listen to the experts on this site.... DO NOT pay all your balances to zero!!!!!!! Unfortunately b4 I found this site; I rid myself of all my CC debt... mistake I made was not only zero balance BUT closing the account... IF only I knew what this was doing to my credit! Now; as we are finalizing our loan for our new home... this mistake will cost me an additional $250 per month in terms of a higher rate... because my median score is 715.... I need 720 to qualify for the lower rate... Moral of story... If I would have not paid off and kept a couple open... I would have the needed FICO of 720.