You can get your free annual credit report from each of the three major credit reporting agencies — Trans Union, Equifax and Experian.
And, Credit.com’s free credit report summary can help you understand what’s inside your credit report. There are several safe and smart ways to consolidate credit card debt, so you’ll want to research them before deciding what’s best for you.
One of the first things you’ll want to do is check your credit reports for accuracy.
An error on any of your credit reports could prevent you from qualifying for the debt consolidation help you need, so .
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Whichever option you choose, you will use it to pay off your multiple balances.
Whether consolidating your debt is a good idea depends on both your personal financial situation and on the type of debt consolidation being considered.
Consolidating debt with a loan could reduce your monthly payments and provide near term relief, but a lengthier term could mean paying more in total interest.
If you are struggling to keep up with your monthly payments, consolidating your debt in this way can certainly help alleviate financial stress.
It can also make it less likely that you will fall behind on your payments and risk harming your credit.