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I agree with you for the most part, but there have been instances where this has not happened, though it is rare.
llecs wrote:
Paying it off would very likely improve her scores as the balance would no longer negatively impact utilization (if it is currently). I guess it would depend if there is a current impact and if they util on the other CCs is low.I remember DW had a CapOne acct get sold and utilization on that CC dropped from 250% to 0% and her scores all increased over 20-30 points.
mickie08 wrote:
It is definitely possible that the we could go ahead at the current price and refi in a year.