If you have a lot of debt on your credit from college and are doing college debt consolodation it doesnt mess your credit up, it helps you get your credit back , they work with you to help you .
The best thing for a college student in credit card debt to do is to contact a debt consolidation company to help workout a payment plan that the student can afford.
Careone credit, Debt consolidation care, Consumer Credit and Debt Consolidation Services, Curadebt, Debt Options, and Net Debt all have three star ratings or higher for credit card payment consolidation. I would recommend any of their hotlines over competitors.
Getting debt consolidation loans with bad credit is possible, but extremely difficult. One would have to find multiple offerings for debt consolidation loans and see which of them offer them to people with bad credit.
{| |- | There is a chance that using debt consolidation services might affect your credit. Some debt management programs, like credit counseling, show up on your credit report. Some solutions, like debt settlement, don't show up on your credit report, but by definition cause late payments. Most debt consolidation services are there to help you get out of debt, not to sustain your credit report or credit score, so you should priorotize what you really want in seeking debt consolidation help. |}
Credit card consolidation consolidates all of ones debt. Credit consolidation makes it easier to pay off ones credit card debt with a lower interest rate than most credit card companies.
There are a number of options available for business credit card debt consolidation. Some of the top rated options are National Debt Relief, DebtWave Credit Counselling and Premier Debt Help.
You can get credit score advice and debt consolidation information from your banker. They can order a credit bureau score for you and tell you what your score is, how to clean up your credit and perhaps lend you funds to consolidate and pay down the debt faster.
Credit card debt consolidation with the help of an accountant or a debt consolidation service and careful management of income can be helpful steps in reducing your credit card debt without declaring bankruptcy.
It is not recommended to apply for new credit cards or use the ones that you told the debt consolidation company that you can't afford the minimum payment. What is the point of using credit cards when you are trying to get out of debt? If you use any of the cards that are in the process of debt consolidation, the company can end your contract and what are you going to do to get rid of your debt?
There are many companies in the US that offer credit card debt consolidation. Two of these companies include the Wells Fargo Credit Center and National Debt Relief.
No matter what company that you decide to go into, they will put up your credit report to see if you are eligible for debt consolidation. However, not all of them approve debt consolidation plans from credit counseling especially bank credit cards. First it will be a 3 month wait to see if they actually approve the credit counseling plan. After that, you will see payments begin posting. I will not agree to anything about no debt consolidation unless it is in writing and I can fax over my credit statements.
If you mean where to get debt consolidation loan, you may seek assistance from any reputable credit card debts consolidation services agency. They can provide you with options that suits your debt situation.