I had a question and I typically fear financial choices because I’m usually bad at them.
I have been working on my credit score for 3 years since it ranked and it has finally risen to 685-700. I recently got a lot of pre-approvals for credit cards with substantially lower interest rates and costs and auto loans making it so I could pay my car off much sooner.
I am asking for advise because I am looking to buy a house, probably about a year from now. Should I make these changes and just take the hard inquiry or will that affect my credit for a long time. Currently there are 2 hard inquiries on my account. My goal is to have a higher credit score when I buy a house, but paying loans off could help, but a hard inquiry could hurt.
Can someone tell me which idea might make more sense for me with my goals. Or even feedback about how to not tank my score.
Thank you, I appreciate it!!!
Submitted April 01, 2020 at 11:21PM by ptrippe https://ift.tt/3dPHeGA
