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halladventure

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Pay off and leave open or pay down under 30% for best credit report increase?
I'm in a position to pay off all my cc's but want to know if it is best to pay them off and leave them open with 0 balance or pay them down under 30%

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Pay them off! To zero! There is absolutely no need whatsoever to carry a balance from month to month. Just DO NOT close the cards. Please be sure to spend some time reading about credit, it will be time well spent as the knowledge will help you with your finances the rest of your life.

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