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Did you know that you pay upto 30% interest on credit card / store card balances, which over the short period becomes difficult to manage and spoils your credit score very quickly, which makes it difficult to get better loan or mortgage.
If there is equity in your home,
I will guide you , how to use your home equity upto 95% of your home value at interest rate much less than that of credit card/ store card interest rates to get rid of expensive credit card balances or store card balances and improve your credit immediately.
So that you can get a better loan or better mortgage on refinance