ok i think i get it. It sounds like in the long run of things it is better to just pay it off so you don't end up in some downward spiral of things. But not missing a payment is important very important. Not having a big balance is good too. And i don't think i could refinance my mortgage to a better fixed rate at this point . We got 4.7% when we refied a few years ago and we don't plan on taking out any loans anytime soon. So as long as i have had a clean record of no balance for about a half a year I should be good with getting loans and what not. and our credit history has nothing on it ever. Thank you for all the input lady's I feel a little smater now!
