#2 - DO CONTINUE TO USE YOUR CREDIT AS YOU NORMALLY WOULD -
Red flags are easily raised within the scoring system. If it appears you are diverting from your normal spending patterns, it could cause your score to go down. For example, if you’ve had a monthly service for internet access billed to the same credit card for the past three years, there’s really no reason to drop it now. Again, make your changes after the loan funds.