I did some credit re-organization (balance transfers) of my credit cards in the past year or so. Some cards went up to 24% interest, so I either paid it off or transferred it to a lower or 0% card.
After doing that, my credit score went down a little especially since the one card stopped reporting to the credit bureaus so now my utilization is a lot higher than it really is. Plus I got two new auto loans this year so my debt to income ratio went up (I had no choice, old car was in my ex's name & other car was paid in cash).
I tried to talk to a few brokers, but all they keep saying is "just apply and we'll see"... NO! i dont want to apply and see, i want to know before hand... greedy brokers
Anyway, im debating whether it is worth to pay off a huge chunk of my cards to get my score up and have less to put down, or keep my score where it is at and have more to put down
edit: its probably the difference of 15 points or so... great than 700 on all three