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We are looking to refinance our home loan and are trying to get our credit score up. We are currently at 689 equifax. We just took out a credit union unsecured personal loan to pay off 7500 of credit card debt. Now the credit card company is offering a 5% intrest for 2 years.
We would like to move 5000 of retail card debt (ie Walmart etc) on the card but don't know what effect it will have on score. The balances will stay the same but our interest will be lowered.
Can anybody help us out here.
Thanks