terms that represent, or try to evoke images or experiences of specific, tangible objects or entities. Concrete terms are usually thought of as opposed to abstractions or generalizations. External conflicts have outside action such as man against man, man against nature, man against fate.
- Borrower must receive servicing transfer statement at least 15 days before effective date of loan transfer-Borrower cannot be penalized for making a timely payment to prior servicer within 60 days of loan transfer-Records must be retained for 3 years for revised GFE; for 5 years for HUD-1s, escrow accounts, and AfBAs.
also consider refinancing. Helpful to 1 out of 1 people. I was trying to do the same thing as you, lower my utliization in hopes of boosting my score before applying for a car loan. A couple of loan officers told me it can take as long as 90 days for the lessened balances to reflect in your credit score. I chose to get a loan at a higher rate now and refinance later once my cards are paid off and I have a half dozen car payments under my belt.