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Creating a budget and starting a savings habit are small steps that could build a stronger financial future.
If you don’t have an immediate need for cash, work on building your credit score.
The interest rate depends on your credit profile, and it usually doesn’t change during the life of the loan.
Debt consolidation is only one of several strategies for paying off debt.
Your credit scores can take a hit if you use all or most of the available credit on your cards.
Below is a list of Nerdwallet’s top lenders for debt consolidation. If you’re borrowing money to pay off debt, a personal loan works best if you have a plan to tackle your debts.Other options for borrowers with bad credit include secured or co-sign personal loans.Some lenders say they have no minimum credit score requirements, but that does not mean they don’t check your credit report.We want to hear from you and encourage a lively discussion among our users.Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers.