Selling one home, retaining another and seeking primary residence after relocationUpdate: Due to the time it took, while I raised my credit scores, I did have to relocate and turn down a refinance approval as the lender was not going to be able to confirm local employment, but Allied Home Mortgage gave it their best.New question. I will be selling one home that has been being rented for the past 2 years and expect to close this month. Currently am earning 82K paid as a monthly salary with approximately $2-3K annual bonus.I still have my mountain house in Oregon and because of the prevailing market, have opted not to sell it. It is in a vacation rental pool and is being managed by a professional property management company. I anticipate vacation rental income to cover about half to 2/3rds of my mortgage payment which is now $2250/month.In the mean time, I am desiring to purchase a timber frame house on 2 acres of property in Maine where I am now working which will cost approximately $225,000 in about 6 months.Due to a notification by Citibank Credit cards of an interest increase, I opted to close the account, but have a $19K balance remaining. I will be paying that off over time at the old interest rate. I did have this account since the late 80's, so I will have a pretty large hit because of the age of the account.Secondly, I have a platimum card air mileage card from B of A which does not disclose my credit line to the reporting agencies, so a $5.00 balance or a $10K balance always shows up as maxed out.My question is what is the best strategy for paying these accounts down? I can afford to significantly lower the balances, but not zero them out.My previous lender had a "what if?" software package, that showed effects on your score if you paid such and such for certain creditors. Any references to credit score predictors would be appreciated.November 18 2009 - Bowdoinham00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.