Consolidating debt and credit score


03-Oct-2020 03:11

Debt repayment is as much about a change in mindset as it is about a change from credit cards to a bank loan.If you aren’t prepared, taking out a personal loan may just open you up to more spending and more debt.Comments are the opinions of their authors; they do not represent the views or opinions of Money Under 30.

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Taking out a personal loan to pay off high-interest credit card debt may sound like an easy and simple solution, but it shouldn’t be done lightly.

Fortunately, some personal loan lenders like Credible let you check your interest rate before you apply and without hurting your credit. Even if you can’t beat your existing interest rate by consolidating debt with a personal loan, there may be an advantage: With a personal loan, you’ll need to make a fixed monthly payment that will have your loan paid off by the end of the term (usually three or five years).

This makes it impossible for you to get stuck in the trap of making minimum payments all the time.

It pays to be honest with yourself about your own willpower and financial savvy: Lying to yourself about what you can and cannot do will only lead to disappointment and more debt.

consolidating debt and credit score-42

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Personal loan for debt consolidation is ideal for moderate amounts of consumer debt. If so, consolidation via a personal loan might make sense.

We invite readers to respond with questions or comments.



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