The Good News: My future mother in law opened up a credit card for my fiancee to the tune of $15,000 @ 0% for 12 months. We moved our $8500 in 6-7 credit cards onto the new card that is in her mothers name. Then, my father signed the PLUS loan for college which is basically a 3% loan that never exceeds 9% and has like 10 year payoff or something. The loan came in for $4400. So, I paid the $4400 on the credit card because I don't like having my debt in my mother-in-laws name. Now I can just pay back the $4400 student loan @ 3%. Our plan is pay $300/month, each, and pay off this debt (my $4400 @ 3% student loan and her $4500 or so on the 0% credit card for a year) so we should be out of debt in 12-15 months. My question: Because we now have all of our credit cards paid off, what will our FICOs be, roughly? I will be 21 years old this month... I have had 3 mastercards opened since about 18 and a half, and one retail credit card. I've never been late on any. My dad opened up a Dell loan in my name and paid it off ($1500) in about two months and the only loan that I owe on my report are student loans and my car. My FICO was 650ish with 4 maxed out credit cards, so should my score be maybe 750ish now that they are all paid off and open?