<prompt> Human: I have about 12k in CC debt. I have the capability of getting a home equity loan and significantly decrease the interest rates of the current debt. I believe my wife and I average about 18 or so on the CC debt. We have not gotten a solid number from the bank yet, but with the lower interest rates and our good credit scores, I imagine it would be less than 6. The big reason I ask this, is because we would like to move in a year or so and I dont know how creditors will look at this when we go to purchase a home not a second home, just a different one. We will not be using all of the equity in the home, we will still have about 10 equity after the loan. Would we be better off trying to move with the extra equity on the current home and having the CC debt on the credit report? By the time we move we will have some of it paid off, but not all.  <response>: Never trade unsecured debt for secured debt. Are you sure you can get a home equity loan leaving just 10 anyway? Also, where will you get money to move? After you sell, with just 10 equity, you wont really have any cash left. 