Can you solve the case of Unintended Consequences?

What effect might the scenario in the video have on Mary's credit score?

Mary was trying to do the right thing. However, by paying off the old account, her credit report would reflect “recent activity” on an old delinquency. Underwriters may see it as a current problem rather than a three-year-old issue.

Mary should have first consulted with her lender before taking action. The money may have been more beneficial if used toward the down payment or kept in savings.

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