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i have an auto loan with a payoff of 19.5k with a 25% APR should i trade in my car with equity of 8k
i have been paying 21 months all on time and there was 20k down on the car as well. very frustrated!! should i trade in and get about 8k in equity from the dealership? will it impact my score negatively? i have a 546 right now even though been holding this and another credit card down on my report. plz help

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