Hi,

I have a score of 660 now, and I want to refinance my house next month or October. I need to get my credit up to 680 so that I don't take to much adverse affects of having bad credit. I was told by my mortgage guy to pay down my credit card to more then 50% of my limit. I have currently $7500 and the limit is $14000. I have no other issues with my credit except for this Credit Card.

Currently I am in a position where I need to buy a computer as an investment for a new job. It is going to cost me about $2000. My mortgage guy told me I can do this purchase even though he told me to get my credit card lower, saying two different things. Can I purchase this computer and still lower my credit?