No. of Recommendations: 0
Yes I have a mortgage, car loan, and student loans - all at less than 4%. My priority now is to tackle this albatross first. Prosper sent me an email offering a $100 amazon gift card in exchange for applying and being approved for a loan. They told me my score is 712 based on data from experian. Not sure if this a true fico score. Have checked my reports - all r correct, but didnt feel like paying for the score, so didnt.

Am eligible for a credit union thru work but don't think at this point that I am eligible for a significantly lower rate. Paid down a handful of cards to lower utilization rate to get the citi card. Current utilization rates are as follows:

Amex: owe 23,500.limit 35,900
Chase: owe 12000, limit 17000
Chase: owe 4000, limit 7400
Bofamerica: owe 5908, limit 7200
Bofamerica: owe 4000,limit 9300
Capone:owe 3600, limit 6000
Lens club is an installment loan

Planning to pay acc to interest rate, starting w chase then Amex next
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