Credit Advice

Credit scores can be a little unpredictable - for example, for some people their credit score will go up on a bankruptcy because the bankruptcy eliminated much of their debt.

If you have high credit limits and good credit, a few thousand dollars in loans is probably not going to do much in either direction. Is your report not very diverse? Your score could increase due to the diversity of accounts being added.

Regarding what to include, you should definitely include the inquiry you'd receive, as that will likely have an adverse effect on your score. You could simulate paying off your CC as well if you're curious about the outcome.

Keep in mind, too, that the simulator is not necessarily going to 100% reflect what will happen when you actually do these things (even a simulator working on your real report is still a simulator), so the actual outcome may be slightly different.

Thanks for the reply! Indeed you are correct that credit scoring is never predictable haha. I only have two open credit cards right now totaling only about $340 available credit out of $575 and I have a loan that started out as $4,000 but now has $720 remaining that I plan to completely pay off next week. Guess not too much diversity really