Does consolidating your credit cards affect your credit

09-Dec-2015 13:15 by 6 Comments

Does consolidating your credit cards affect your credit - Online filipina sex chat cam

The cliche about rearranging the deck chairs on the Titanic came to mind when I read your question.Debt consolidation won't address the real problems that may sink your credit rating!

RATE SEARCH: Before taking out a personal loan, compare rates at Bankrate's content, including the guidance of its advice-and-expert columns and this website, is intended only to assist you with financial decisions.

I want you to concentrate on your overall financial health rather than on a score or rating.

If your financial health is strong, the measures will reflect it.

A credit rating is assigned by a person who looks at issues beyond your credit report before deciding how creditworthy you are.

These issues include income, job stability, your ability to use dormant credit lines and more.

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SEARCH RATES: If you're considering a personal loan for debt consolidation, first check out the rates at

Moving the balances of your credit card accounts into an installment loan for purposes of consolidation may cause a slight drop in your credit score.

A credit score is derived from items reported in your credit file.

It uses a complex mathematical algorithm to come up with a score that predicts whether you are more or less likely to default on your next loan.

You need to understand how you got in that situation if you are going to avoid getting there again and again.

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