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CitaMaria

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Do I have to pay off credit card first?
My credit score is currently 659 and I want to get a car. The car is 4k and I intend to put down 1k as the downpayment. My question is, should I pay my credit card off first ($1450) and increase my score before I allow the dealership to run my credit? Winter is upon me and I cannot manage without a car anymore.

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Don't pay it totally off, but pay it down as much as you can.  Get the balance below 30% of the credit limit.

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