Understood. So I recently paid off all my credit cards with a personal loan. It opened up my credit and it jump near 70 points in a matter of 3-4 months. But I also have not accrued more debt since then. I was going to refinance but I realized I can pay my loan off way faster than anticipated. It has been extremely helpful to not accrue any more debt. Another thing I did to improve my credit score, was I kept my oldest cards and closed a most recent card to up my average history.
