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what credit score do you need to refinance a car 7 Reasons for Your Credit Score Drop (and How to Fix It) – How to fix it — Reduce your credit utilization to 30% or less (the lower, the better) and you’ll quickly raise your credit score. Here are three ways to do this: Pay down your. sink the longer you.difference home equity loan and line of credit Home Equity Lines of Credit. home equity loans work differently than traditional loans, acting as a line of credit. This means that the bank will approve to borrow up to a certain amount of your home, but your equity in the home stands as collateral for the loan. The interest rates are lower than they would be with a credit card.
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