I need to reduce my debt toincome ratio, the sum of my credit card payments is less than my installment account, so I thought that would be better for freeing up cash. However, I noticed that after I ran upmy balance recently for christmas, my credit score actually dropped some. So with my tax refund I can pay off a car payment that will be normally paid off in March 2007 or pay down the credit card balance, which would be better for mortgage application? mrtopproducer, if you are around I would be interested in hearing your thoughts?