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Keep in mind, the only thing the financial institution will know is what's on your Credit Report. Don't send a check and then go to the bank. If you want it to show 0 then you would have to pay it off, wait for all the credit card companys to show 0 then have your report pulled.
Otherwise you'll be saying, "no, really, those are all paid off. I just sent the check".
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"Speed, it seems to me, provides the one genuinely modern pleasure." - Aldous Huxley
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