I had a $21K unsecured loan that I opened 03/2008. I paid it off within a year and it remains open (with a 19.99% interest rate) as a revolving credit line. I do not plan on ever using it again, but am hard pressed whether I should close the account or not. The account has a zero balance but I'm not sure what would look better on my credit score - keeping it open with zero balance or clo...
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A couple gets married. One has outstanding credit, and the other has terrible credit. What happens to their credit?
How do you refinance your home with bad credit? My credit has been good for over thirty years but took a dive during this economic crisis. My husband and I receive monthly retirement annuity and social security checks and I consult on a regular basis.