27.5 points will be gained. No really, there is no way to tell ... even if we knew the rest of your report situation like: - how many positive trades do you have - how many negative trades do you have - how long have you had them - how many inquiries do you have - etc etc etc There is simply NO way one can tell how many points X you will get for doing Y. Ask George...that is why he calls FICO the RNG!! (see the glossary) -Peace, Dave
i can tell you that it is better to have at least 1 or 2 tradelines with balances.. than them all at 0 Kev
