Asked by Ben, Dallas, TX • Fri May 9, 2008
I have a 660 credit score with a ding from Bank of America. They raised my rate to 30% because I had a high balance. So instead of paying 30% I dropped it to 10% via credit counseling. Should I pay off the 3600$ balance before even getting pre approved as it may take 90 days to get off my record, or do lenders look at this as a positive vs negative.
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