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credit and all that....

Fullmetal Chocobo

Fullmetal Chocobo

Moderator<br>Distributed Computing
Moderator
If I pay off a credit card, how long would it take to affect my credit report, so that I might get a better APR? Anyone have any idea?
Tas.
 
If you have paid all your bills on time for the past couple years and pay off your credit card bebt, you should get a good rate. I think the key is not having any late payments...good luck. They need customers now so don't metion the wrecked truck and negotiate price before talking about financing. Better yet get financing through your bank or credit union.
 
Just because its paid off won't necessarily mean you'll get a better APR. If your credit charges were reasonable (IE - cards not close to being maxxed) it probably would not make a heck of a lot of difference.

I think agencies report quarterly though.. but I think there are some credit guru's here who actually work for Equifax that would know better than I.
 
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