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This post includes references to offers from our partners such as American Express.We may receive compensation when you click on links to those products.Invest extra cash you have every month into paying off your highest interest rate card, while still paying the minimums on your others.

In fact, because of this generalization, some people make the decision to refinance their home mortgage in order to free up money to pay off credit cards.

Credit scores are more like your driving record: They take into account years of past behavior you can find on your credit report, not just your present actions.

One major factor in your credit score is how much revolving credit you have versus how much you're actually using.

Now, compare that total with your monthly net income or take-home pay.

Debt consolidation means taking out a new loan to pay off a number of liabilities and consumer debts, generally unsecured ones.




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