paid sour the $28k loan early ending week (sold car) so now I simply have 1 motor loan at $21k. Wondered if that 609-equifax score might increase because of the $28k debt one removed. I need it to jump over 620 to be approved for a mtg. any chance by the finish off of next month to draw from 10-15 points because of this reduction surrounded by debt? Just looking for the chances, assume no delayed pays, on credit cards, no new credit, and ration on cc are at around 50%. It should.

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Really try and get adjectives of those cards under 40%, thats going to be your best bet. I deliberate that the loan being bad your credit report SHOULD bump it up enough, but I would right to be heard try and handle those cards to be on the secure side. And remmeber, it will take up to 90 days for your payoff on that loan to show up on your reports.

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Answers:    1. Your equifax evaluation will improve because the 28k loan is remunerated off but your equifax win does not have to be 620. Even if your equifax score increases to 620 - the bank is going to use your middle win which is the 642 - 642 is not bad but try to attain at least a 660 -

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