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Discussion in 'Credit Talk' started by Ukley72, Jan 8, 2017.
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Hey Ukley72- sorry for the delayed response.
But yes- your credit utilization ratio accounts for a large chunk of your FICO score and ideally you want to be below 10% credit utilization in order to maximize your FICO scores. A private debt consolidation loan can be a great way to make that happen while also saving a large amount on interest. Once the balances are paid down, you should see a pretty significant boost in your scores since it sounds like you're carrying a high CU ratio at the moment. Those higher scores should translate to better rates on the auto loan as well. Let us know how it goes!