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Hello, I am glad you are enjoying our site. Please feel free to ask as many questions as you need on credit related issues. We will gladly help.
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You want to pay off the debt first. This will be the most cost efficient in the long run. The more outdsanting debt that you have, the lower your credit score will go. And when you go to qualify for a loan, you will end up with a higher rate. So, pay down the debt and this will help increase your score and in turn you will get a lower interest rate.References :