My credit score jumped 41 points after I paid down one card to $0, and a loan officer in Phoenix told me that was the worst move

Eva Moore · 2026-10-07T21:05:03.252446+00:00

Two mortgage brokers gave me opposite advice on whether paying a card to zero helps or hurts your home loan, so which one is actually right for credit repair housing?

Vivisector

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My credit score jumped 41 points after I paid down one card to $0, and a loan officer in Phoenix told me that was the worst move | Credit Repair Housing - Vivisector