Just checked myEquifax...it has been showing me 639, since I started running the bureau monitoring in the last month. When I paid that 4th card off (leaving 3/5 with balances), it updated that I reached a new score. It didn't show the score, so I've just left it. At that same time, my collection had come off so I figured it was from that and that my score was probably around the other 2 bureaus. I just found on the monitoring website where it has more details...it shows my score went to 702. So definitely a possibility that my mtg Fico will hit 700 after other changes. 
Decided to pay for the 3B, since today as the last day to turn in a mortgage app and avoid all the extra time consuming disclosures. Only Experian reflected my line of credit payoff for a total of 2/5 cards reporting a 4%. Other two accounts have 3/5 at 9% Experian score had only shown a 2 point increase with LOC reporting pay to $0. Which brought it to Fico 8 of. 690. Transunion Fico 8 696 Mtg. 4. 701 Equifax Fico 8. 686 Mtg. 5. 702 Experian Fico 8. 690 Mtg 2. 733 So I took my report card to my banker. 
. He is going to run scores next week, so the LOC will have posted to TU and Equifax. Interestingly, I think my TU report is about the cleanest, but they are all a little similiar. I think Experian has a few more total negatives, but I think that having 3/5 of cards reporting was a killer for the score. A little over a month ago my middle mtg Fico was 605. All 5 cards were reporting, two about maxed out, a medical collection showing, and I've since had over half of my negatives removed....it's been a long month! Not sure if my other two scores will hit the 733 range, but guessing they will be close once the LOC posts...then by end of next week, my other card will post $0, total uti will go to about 3% and only one card reporting....maybe I'll be at 740 or whatever next cutoff! I am just giddy. Then after my mortgage, I plan to send out another batch of good wills, dispute what I need to with the credit bureaus, and get everything else off! In 6 months, I'll only have one account with negatives within 24 months, so if I'm lucky that GW will work... I also need to think about adding more CC for the long term. I only have one major CC the rest are dept cards. I want to keep my AAoA high though.its 9.3 now.
Only Experian reflected my line of credit payoff for a total of 2/5 cards reporting a 4%. Other two accounts have 3/5 at 9% Experian score had only shown a 2 point increase with LOC reporting pay to $0. Which brought it to Fico 8 of. 690. Transunion Fico 8 696 Mtg. 4. 701 Equifax Fico 8. 686 Mtg. 5. 702 Experian Fico 8. 690 Mtg 2. 733 So I took my report card to my banker. . He is going to run scores next week, so the LOC will have posted to TU and Equifax. Interestingly, I think my TU report is about the cleanest, but they are all a little similiar. I think Experian has a few more total negatives, but I think that having 3/5 of cards reporting was a killer for the score. A little over a month ago my middle mtg Fico was 605. All 5 cards were reporting, two about maxed out, a medical collection showing, and I've since had over half of my negatives removed....it's been a long month! Not sure if my other two scores will hit the 733 range, but guessing they will be close once the LOC posts...then by end of next week, my other card will post $0, total uti will go to about 3% and only one card reporting....maybe I'll be at 740 or whatever next cutoff! I am just giddy. Then after my mortgage, I plan to send out another batch of good wills, dispute what I need to with the credit bureaus, and get everything else off! In 6 months, I'll only have one account with negatives within 24 months, so if I'm lucky that GW will work... I also need to think about adding more CC for the long term. I only have one major CC the rest are dept cards. I want to keep my AAoA high though.its 9.3 now.