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I did not close the cc as I did not want to lose the length or history or the actual limit and screw up my amt. available.

Okay, so what was the credit utilization before you paid off the debt vs. after you paid off the debt? Assuming NOTHING ELSE HAS CHANGED: If it went from 95% to 30% - you will probably see an improvment; If it went from 65% to 55% - probably not much of an improvement.

The mortgages all have perfect payment history and it was a second mortgage not a line.

Then there probably won't be a change in your credit socre from this, although, as mentioned, there may be a change in the amount that lenders are willing to lend to you.

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