If you pay of credit cards that were not past due AND close the cards will tank your credit scores. Best of kept the line of credit open.
It takes credit bureaus approx. 60 - 90 days update their files from credit pay BASED on when companies report for status updates to credit bureaus those files are submitted to bureaus once month only.
Lynn911 Dallas Realtor & Consultant, Loan Officer, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors
Lee is giving you good advice about talking with someone and having them help you with your credit situation. It sounds like you are on the right road. Good luck!!
Tru Value Realty
I suggest that you contact one of my lenders that I use on a routine basis. They can help you prepare and resolve your credit issues. You are welcomed to give me a call and I will help. You are doing the right thing by resolving this first before trying to buy. My cell is 409-739-1299, Galveston. Lee DeForke Jr