Needing some assistance please...
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Posted by allen (24.98.104.210) on August 18, 2002 at 12:20:55:
Hi Everyone... This board looks great! Here is my current standing:
Equifax - 622
Experian - 645 (was 606 11/01)
Trans Union Personal - 732
Privasta - 671 - why is this higher than equifax when they say they use the same????? I currently owe:
Amex 24.99% (closed) - $2800
Amex Delta 14.75% (just lowered yay) - $1000
Citibank - 12.99% - $7500
Discover - 19.8% (closed acct) - $2200
Capital One - 5.9%BT - $900
Att UCS - 16.7%purc/19.8%cash - $2500
Student Loans - 4.76% - $10000 (in 6 diff loans)
Car 9.9% - $13000 I have paid off a ton of stuff over the last year and the above is what I am left with. Here are my questions: Note: Besides minimum payments, I have about 350-500 a month I could pay off something with. 1. What should I pay off first from what is left above? If I pay down the ATT cuz its open will my score go up cuz the available credit will go up? Should I pay off the Amex first? I know the general rule is to pay off the highest interest first. 2. I can consolidate my student loans from 6 loans to 2 loans. That would cut my payment in half with them but extend the term. Since they will be paying off the other 6 in full, how does this affect my credit score? 3. I really would like to buy a house next year so whatever I can do to up my score I would love. Thanks so much for the help for the above and any other help you might be able to provide! Allen
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