For all of those interested - I just paid my credit cards from 75% utilization down to 1% utilization and gained 55 points average from that single action alone. I'm posting this because many people fall just short of 620/640 which is commonly required for a mortgage; and when they do, I think many people forget that gaining an additional 10-20 points can easily be accomplished by addressing revolving credit balances! Good luck everyone!
Since October 1st I have paid mine down from 82% to about 40% and have picked up 56 points. I have 2 paid medicals that should be gone soon. I hope it gets me to 700
