Emily

We are in a 30 year veteran loan. Um, but we plan to pay it off early within hopefully 10 to 15 years. My question is, so right now we have, my question is kind of regarding my credit score. We have four credit cards right now that are open, but frozen. We have not used them in probably about a year. We're kind of, I guess, not sure what to do with those accounts.

We're kind of leaving them open right now so that if we close them, they don't affect our credit score. Our hope is that if we have the opportunity in the next few years to refinance to get a lower interest rate that we would do that in order to help us pay off our mortgage even quicker. But we're just not sure. Do we close our credit cards and risk that affecting our credit score?

We're kind of leaving them open right now so that if we close them, they don't affect our credit score. Our hope is that if we have the opportunity in the next few years to refinance to get a lower interest rate that we would do that in order to help us pay off our mortgage even quicker. But we're just not sure. Do we close our credit cards and risk that affecting our credit score?

We're kind of leaving them open right now so that if we close them, they don't affect our credit score. Our hope is that if we have the opportunity in the next few years to refinance to get a lower interest rate that we would do that in order to help us pay off our mortgage even quicker. But we're just not sure. Do we close our credit cards and risk that affecting our credit score?

Would that affect it drastically? Or do we leave them open and frozen and kind of maintain our credit score and We just don't kind of want to tank it and lose that chance to refinance in the future.

Would that affect it drastically? Or do we leave them open and frozen and kind of maintain our credit score and We just don't kind of want to tank it and lose that chance to refinance in the future.

Would that affect it drastically? Or do we leave them open and frozen and kind of maintain our credit score and We just don't kind of want to tank it and lose that chance to refinance in the future.

Yeah. And I, so ultimately, like we do want our credit score to be undeterminable. Like that is our ultimate goal. We don't plan on taking out any more debt. Like you had said, like we have two cars, they're old, they're paid for. So we have basically, our credit cards are frozen in a safe. So we haven't even kind of activated the new ones that they send us all the time.

Yeah. And I, so ultimately, like we do want our credit score to be undeterminable. Like that is our ultimate goal. We don't plan on taking out any more debt. Like you had said, like we have two cars, they're old, they're paid for. So we have basically, our credit cards are frozen in a safe. So we haven't even kind of activated the new ones that they send us all the time.

Yeah. And I, so ultimately, like we do want our credit score to be undeterminable. Like that is our ultimate goal. We don't plan on taking out any more debt. Like you had said, like we have two cars, they're old, they're paid for. So we have basically, our credit cards are frozen in a safe. So we haven't even kind of activated the new ones that they send us all the time.

But it's been more of a concern that Because that was our extended length of credit attached to some of these cards that, you know, with wanting to potentially refinance in order to get the house paid off, that we just didn't want to. What's your interest rate now?

But it's been more of a concern that Because that was our extended length of credit attached to some of these cards that, you know, with wanting to potentially refinance in order to get the house paid off, that we just didn't want to. What's your interest rate now?

But it's been more of a concern that Because that was our extended length of credit attached to some of these cards that, you know, with wanting to potentially refinance in order to get the house paid off, that we just didn't want to. What's your interest rate now?

All right.

All right.

All right.

Okay.

Okay.

Okay.

Very good.