Home Equity Loan
Debt consolidation Loan/Credit Card?
I have a bunch of credit card debt and am looking to consolidate it. I don't use my credit cards anymore and i have a perfect payment history on all my accounts on my credit report. Never one late payment on anything. I am looking for some way to consolidate the credit cards to one loan with a reasonable interest rate since some of my cards are very high interest( over 21% for one of them). The problem is being in a lot of debt i dont get enough credit when i apply anywhere to transfer the balances. I have some equity in my home but not nearly enough to tap into it or i could risk being "upside down in it" Does anyone have any suggestions how someone with a perfect payment history but hight debt to available credit ratio can consolidate? It is nice for people to try to help but i dont even know if the person who replied read what i said. I dont need my credit repaired i have a perfect credit history just lots of debt.
Public Comments
- You can get your credit repaired at: http://www.newcreditrating.com they also have loans for people with bad credit check out all their links good luck
- Check out http://www.ineedrates.com and find a low interest loan. Yoiu shouldnt have a problem since your credit is excellent
- I'm in debt management and if you've never missed a payment then your best bet would be to call each credit card and ask to see if you could get onto an internal program. That will lower your interest and maybe even the payment. Keep sending the same amount don't send the lower payment obviously. But the internal programs are for a limited time only so ask how long it will last. Before you do that, you may want to check how much more you could pay a month. The other would be to consolidate with a debt management company but that would close all the accounts. I wouldn't recommend it unless you feel you can't afford the payments and expect to start struggling. We help with credit counseling if you would like.
- You can consolidate your debts through http://ezconsolidation.com . They are reliable as they are registered with BBB. They would talk with your creditors to reduce your debt amount or lowering the interest rate and then would provide you with the affordable debt management plan wherein you have to pay only one monthly installment.
