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Niecy89,
You are so close right now. Keep up the good work, girl. To go from 490 to a 669 is very quite an accomplishment
Thanks bulbisaur and ByrdMan for your helpful suggestions and prompt replies. I will definitely use the money to pay my BofA CC. I will leave the recommended 1% balance ($105) on that CC for reporting purposes. All of my other CCs have a $0 balance. I will also continue to make my student loan payments ontime. Thanks, again, for all of your help.