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What balance is seen when applying for an auto loan refinance?
Regardless of which report is pulled by the auto loan company, will they see my last statement balance, or my current balances? I pay my statement balances in full and early, but I'm trying to figure out if I need wait another month and pay off my balance before the bill cycles, or if the current balance is $0 now, can I apply now & they'll see the $0.

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