DFSMITH1....I think it's safe to say that the Controlled Spending issue has been addressed, right?The rates you've been given seem very high... Although I don't know the amount of equity you currently have in the home, I'd say it would be 20% or more.With this kind of equity and a fairly kind credit report, you shouldn't be considering a rate of anything much more than 9% +/-. Do LOTS more shopping. There are a tremendous amount of web sites devoted toward lending money (that says something about us, doesn't it?)I would caution you, however, on applying to too many institutions. Each time a credit report is pulled by a lender, it is recorded. I may be WAY off base here, but I've always been leary of having too many "pulls" showing over a short period of time. Always had the feeling it didn't look to attractive.....Have you gotten a hold of your credit report lately? It might make sense to know, ahead of time, what the lenders will be seeing.Do some shopping first and choose a small handful of lending institutions that seem to give you what you need.On the plus side of using your home's equity to pay off the CC debt, the interest is tax ded't. Of course, I've made some assumptions here....By the way... you cut the Credit Card(s), right? <I had to say it..<g>>Best of luck....--Finz
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