Exactly. Pay off your debts! “But my credit score will go down.” Yes it will temporarily but lenders look at way more than just your credit score, you save so much more money on interest, and you can always increase your credit score in easier and financially healthy ways…
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I have a friend who almost died and had to be put into a coma after a botched root canal. She has an airtight case but could not find another dentist to testify or something, because apparently in Massachusetts all dentist pretty much go to Tufts school of dentistry and are thick as thieves
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