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RE: Anyone tried refinancing to combine debts? Just saw this story...
The “pay extra toward principal” strategy only works if the numbers still win after refinance costs. For anyone considering this, compare closing costs, any prepayment penalty on the existing loans, and total interest ov...
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RE: Cutting my debt-to-income ratio: finally made it work
Honestly, I get where you’re coming from, but I’ve actually had a couple updates hit my report within a week or two - especially with smaller credit unions. Maybe it’s just luck of the draw? Still, I’d never bet a closin...