753 FICO have questons

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      Right now I have a 753 Fico and I have all my documents and applications ready to go to the bank.*


      My question is this -*

      I just paid off a few credit cards before the first. Should I wait until my credit reports update before I take everything to the bank? When does Discover and Amex update to the credit reports?


      I also have a car loan that is $446 per month and I owe $9k on it. Should I pay it off as well?


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