« Reply #309 on: December 15, 2013, 10:21:44 AM »
Does it make a difference if you have high balances not due yet at time of application or should you pay everything up before applieng?
Unless your balances are with BoA, then it doesn't matter what they actually are. It matters what's been reported to the CRAs. If you have high balances, you show get those lowered before applying.
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