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Before you decide what sort of consolidation loan to seek, evaluate your options.
You could make an appointment with a nonprofit credit counseling agency to research debt consolidation programs, or you could do it on your own.
A consolidation loan will allow you to pay off your cards and focus on the new loan, which will have a lower interest rates and hopefully more lenient repayment terms.
If your credit score is high enough, you might be able get a consolidation loan from a bank or online lending company. Here are a few: This alternative is a child of the internet.
Check your credit score by contacting one of the three rating agencies or using an online tool available through many banks and credit card companies.
Next, add up all your outstanding credit card debts to learn how much you need to repay.
If you have poor credit, have missed payments or just been unlucky enough to rack up a balance on a 29.99% APR credit card, there are a number of options available to you to lower your rates, even if you have bad credit.
The number of cards you have doesn’t matter to credit reporting bureaus nearly as much as the amount of debt you carry on those card.
Popular online lenders include Lending Club and Prosper.The average person seeking credit card debt help has six cards and carries ,548 in debt, according to the National Foundation for Credit Counseling.The average interest rate for credit cards in November 2017 was 16.75% according to P2P lenders choose who they want to do business with and how much risk they are willing to take.Your credit score still matters – it will dictate how high an interest rate you pay on the loan – but it does not automatically eliminate you from consideration like it would at some commercial banks and credit unions.