Loans for consolidating
Several personal finance websites, including Nerd Wallet, offer free access to your credit score and credit report.Look for a site that offers educational tools such as a credit score simulator or guidance on how to build credit.Some lenders say they have no minimum credit score requirements, but that does not mean they don’t check your credit report.Knowing your credit profile before you apply can help set expectations.
Your credit scores can take a hit if you use all or most of the available credit on your cards.
Debt consolidation is only one of several strategies for paying off debt.
Debt consolidation won’t work if you have too much debt or haven’t fixed underlying spending issues.
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