OK, I know I need to get a different vehicle soon and what better time to do it then at tax time? I am anticipating about $ 1,000 back and I was thinking of using it to assist in purchasing a vehicle, but then I got to thinking, “Would it be better to pay off $ 1,000 of the $ 1,400 in credit card debt i’m in or use it for the vehicle?” The credit score analyzer calculator said my score would be around 680 if I paid my credit cards down that much (compared to my current 647 score). Should I pay that towards credit cards or use it toward a vehicle. Either way, I am going to the bank to get a vehicle loan, so if I used that $ 1,000 toward a vehicle, that would be a $ 1,000 less I need to borrow. I am stuck on this one guys…any suggestions?