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Which improves credit history more, paying back 20,000 figuratively speaking at once sum that is lump in the long run?

Which improves credit history more, paying back 20,000 figuratively speaking at once sum that is lump in the long run? will there be way to combine all debts to produce one re payment? We actually have a car loan 7% interest(can’t sell automobile because loan is more than value), 1 charge card 16.9%, a student […]

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