[Jeremy]

I heard there is no functional difference for any score over 760. At that point you are getting the best possible rates.

[McCracken]

I’d listen to your lender. Paying it off now vs having it paid off in a few months instead of going to impact the score – it’s still one less account open and will impact your average age of credit when it closes, no matter when it closes.

Getting the pull right before it closes might be good. But I think you have 45 days, not 90 before the hard hit will double ding you.

FWIW we’re building a house and needed to get preapproved – so we have to do a hard hit now, but we don’t close for 10 months. So presumably, there would be another hit then. One lender actually said “your credit is so strong I’m not gonna pull it again in 10 months just need to recollect documents around employment etc”.

Have you seen: 23 y/o, 180k/yr income, invest for house in 5-7 years?

[Denise]

Either pay off super early, or have credit pulled right before the last payment.

I’ve heard it doesn’t matter for higher credit scores but it doesn’t hurt to make sure.

[Danny]

You’re really overthinking this. You won’t have any issues either way.

[Author]

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