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Does Consolidating Credit Hurt Your Credit Score?

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williamsjohn



Joined: 18 Apr 2011
williamsjohn's page
Posts: 2
Location: USA


24 Magic Points

 
Posted on Mon Apr 18, 2011 7:30 am  

Hi,
Debt consolidation is unique to follow and very good tool to decrease the interest rate and ultimately save income.
it may not be useful while some one is educating and is student , because u have a very sort income resource , however it will be good in your personal loan
_________________
Chandler luxury real estate for sale
MaryO
Guest






Subject: Debt Consolidation
 
Posted on Wed Jul 27, 2011 8:58 am  

I'm really confused about debt consolidation!! I heard that it majorly destroys your credit because in order to put your credit cards on the plan, they must be closed, thus lowering your score considerably.

Why so many comments saying it doesn't hurt your score? Are there "credit counselors" on here trying to drum up business?
Wilhans
Guest






Subject: iChyntPUrUSmieHv
 
Posted on Mon Sep 02, 2013 9:48 am  

I am in the same boat 15k in debts. I didn't bother tnyrig to get a consolidation loan because I already knew I wouldn't get approved. What I did do though is go to Money Management International since I didn't want to file bankruptcy. I signed up for a debt management plan. This plan is similar to a bankruptcy in that you can't have credit cards (all accounts are closed) and you can't finance anything.The differences 1) No bankruptcy on your credit report for 7 or more years.2) Completely optional. You don't have to include every creditor and your creditors don't have to accept any proposal. Because of this the 1st month or two can be a bit hard on the nerves.3) You can end the plan anytime. but your creditors will come demanding payment in full immediately on everything owed and don't count on them being willing to make a deal.4) If you miss a payment on the debt management plan your creditors can (and probably will) cancel their participation if they wish.
Jane87
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Subject: Credit Repair
 
Posted on Tue Jan 15, 2019 2:39 pm  

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James Lawson
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Subject: Credit Review
 
Posted on Wed Jan 16, 2019 2:54 pm  

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Johnny Taylor
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Subject: Credit Hero
 
Posted on Fri Jan 18, 2019 12:34 am  

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Angie Knox
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Subject: Credit SOLUTION
 
Posted on Sat Jan 19, 2019 1:31 am  

With great joy in my heart I’m happy to share my testimony. Last year I applied for a loan but I was disqualified due to my terrible Credit Report I online for a solution to my credit. My name is Angie mother of 3 since the death of my late husband life has been perilous for us my business too was not in good shape. I had late payments, Eviction, a large history of bills, couple of collection..my credit was a mess with low score Trans 545 Equ 487 Exp 610. 2weeks ago I was on a Credit Repair Site following instruction and Video lesson on how to fix my credit when I came across a review of a lady testifying about how she got her credit fixed using the help of a Credit Hero Ghost Virus. I contacted him on both GHOSTVIRUS7890@GMAIL.COM; +1 205 418 0498 and explained my situation and I really needed help although I was skeptical about but the whole thing I just had to give a try. I followed he’s instructions and did all he asked me to do within a period of 9 days my credit was fixed and my scores are excellent. Get Yourself a Credit Expert Today.

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