If you have been working at repairing your credit, congratulations! Your credit score should have improved nicely in the months you have been paying all your bills off diligently. Hopefully, you have been obtaining copies of your credit score as you go along so that you were able to track your score as it went up.
If your score has improved to the point where it is 700 or more, and you still owe money on some credit cards, you may want to think about calling the credit card companies and letting them know what your credit score now is. It is possible that they could lower your interest rate, and if so, this will give you even less to pay off. The companies will not do this on their own – you have to ask them. For more information contact me at www.massmortgageloan.com