I have two car loans with the same interest rate 5.65%. One loan is 10,281 and the other one is a new car loan at 22,525 that’s with taxes included. I plan to put 6,000 down towards one of the loans. Do I put the money on the lower one to pay it off sooner or refinance the new one and decrease the taxes and interest paid over the life of the loan. It doesn’t cost anything to refinance with my credit union, so there are no fees involved. Im having a hard time determining which way is more cost effective.

Im told he had to add my step sister, but this just doesnt seem right. Apparently the lender required him to add her and not me because I am just his step son.

I Just got my Insurance license for property and casualty and I want to work as an independent contractor in nj to sell taxi limo insurance etc. Can anyone point me in the right direction. Thanks

My FICO score is just under 620 because we paid off all of our bills and have no credit lines.

I own 2 condos. One association says I must provide a policy; the other says it’s being appealed & I need do nothing at this time. Help!

have you had any negative experience, especially at closing it out? Mine is new, but I am not totally comfortable with the possible outcome at payoff.

Can you tell me what conditions would qualify me? I am retired on disability and my husband is retired and unemployed, 2/3 of our income is used for medical expenses. We only have enough savings to last a year provided nothing else goes wrong.

I have consistently had a FICO score between 720-740. In the past year, I have returned to graduate school. I have taken student loans in the past year in the amount of roughly $30,000. My FICO has now dropped to ~670. Can students loans have this kind of effect on FICO score? Is there any way I can minimize the effect of future student loans on my FICO? Does having student loans affect FICO better or worse than carrying debt on credit cards?

i don’t want my credit reports just my fico/beacon score.

I am trying to raise my credit score quickly. Right now I am at 593-around 650 depending on agency. So, by paying off the 5 credit cards that I currently have(some with amounts ranging from 1,500-2,500), should that raise my credit score a great deal? If not, will a credit repair company help or are they just a scam?