Consolidating debt affect


04-Jul-2016 17:36

When you’re ready to get out of debt, sometimes it’s hard to know which path you should take.

For some people, debt consolidation will be the best option because it can allow you to group all your debt together, thereby making it easier to manage your debt – and in some cases lowering your monthly payment and interest rate at the same time (see our article on how debt consolidation works).

” To answer that, you need to understand how credit reports and credit scores work.If you’re not familiar with the process, here’s a very brief explanation: Your credit report contains information about all the credit accounts you’ve ever had, including mortgages, auto loans, credit cards, student loans, etc.The hard inquiry will lower your credit score by a few points and stays on your credit report for two years.However, this small hit to your credit is not necessarily a reason not to do debt consolidation.

It depends on your particular situation and your ability to pay off debt.Here are the questions you must answer in order to figure out if debt consolidation will hurt or help your credit in the long run: There are three main ways of doing debt consolidation: Each of these three methods requires a hard inquiry on your credit, which is the same as when you apply for a new credit card, submit a rental application, or get an auto loan.



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