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Large payment vs montly payments (lower debt ration or have monthly payment history)
I am in the process of cleaning up my credit to apply for a mortgage. I don't have perfect credit to begin with (somewhere between 600-620) my largest card has a 1700 balance and is putting me in the 75% debt-to-credit ratio range. I finally have the money to pay the card off in full or at least get my ratio down to 5% but I am curious if it will help my score more to split the payments up over 2 or 3 months or just pay it all with one payment.

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