Met with the broker yesterday. He gave us a pre-approval at 3.675% VA Loan. This is with a 618 middle mortgage score. We met with the builder and set up a contracting date. Today, the myfico app alerted me to a drop. I owed $ 128 on a credit card and paid it off, now with 0% utilization. So now my middle mortgage score is 606. I need to make sure that goes back up by the time we close. We have a tentative close of April 15th. I was thinking of putting about $ 250 on the card (about 6% utilization) and making the minimum payment until we close. I think it went down due to the 0% utilization. Any suggestions?