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When I was talking about transferring the money to my mom, she has an open credit card that she said I could transfer my balance to for a time in order to raise my fico score and then I would be able to get another loan and pay that card off with a balance transfer from a new low rate credit card, or a check from a credit union loan.


Oh and Joel, my car is paid off and I have liability on it. Mustang GTs and 20 year olds don't mix well with full coverage insurance so refinancing the car wouldn't be a good idea.
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