reply guys

chatbfg

I’ve been working hard on improving my credit score the past few years. 

I started by paying off all my debt. I paid both of our vehicles off early and have been using that extra $$ to pay down my mortgage. My house should be paid off next year. 

I used to think having great credit didnt matter much but the offers i get now are considerably better (lower interest rates, etc)

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Congratz!  Big achievement.  Being on top of your finances is underrated.