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I am trying to raise my scores. Presently TU is 726 and EQ is 709. I am trying to pay down cc debt. How would my scores be affected if I paid a cc balance off of 4600.00 with my HELOC? Isn't this type of debt seen differently than cc debt? Please advise.
Ryan
Thanks for responding haulingthescoreup. My credit line is for 50,000. I totally agree with you that it isn't a good habit of transferring cc debt to HELOC debt. I am trying to bump my scores up to get a better rate to refi my 1st mortgage and I thought this would help. I am paying my other cc debt down as well which will also help. I appreciate your advice.
rew wrote:
Thanks for responding haulingthescoreup. My credit line is for 50,000. I totally agree with you that it isn't a good habit of transferring cc debt to HELOC debt. I am trying to bump my scores up to get a better rate to refi my 1st mortgage and I thought this would help. I am paying my other cc debt down as well which will also help. I appreciate your advice.