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    Consolidating credit card debt canada Grannye free chat

    Sometimes what appears to be debt consolidation isn't.

    For example, a debt management program (DMP) through a credit counseling agency allows you to make one monthly payment to the counseling agency, and in turn, the agency pays all of your participating creditors.

    It’s certainly what most people think of when they think of consolidation.

    But finding a loan with decent terms for this purpose can sometimes be challenging — especially if your credit scores are a bit lower due to the balances you are carrying. Peer-to-peer lenders like Lending and Prosper.com, for example, routinely make these kinds of loans to borrowers with good credit.

    In addition, you'll have a fixed payment schedule that requires you to pay back the debt in 2 - 5 years (depending on the terms of the loan).

    We know that it can be hard to ask for help with your debts, so we do everything we can to answer your call quickly, provide you with the information you are looking for and book you a free credit counselling appointment if that’s what you need.When you are trying to get out of debt, consolidating credit cards or other loans can save you time and money.But does debt consolidation help or hurt your credit?This simplifies your bill-paying process each month plus reduces the total amount you owe to your creditors.No matter what type of debt consolidation loan option you’re looking into, it is important to understand how to consolidate debt.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.We get lots of questions about debt consolidation at and that's because there are so many ways to consolidate debt.Let's start with the basics: debt consolidation refers to the act of grouping all your different debts into one single debt.For example, say you have three credit cards and decide to use debt consolidation to combine all three into one larger consolidation loan.In that case, the new loan would have a balance equal to the sum of the other loans. You've probably heard of credit card balance transfers, but another option is a personal loan.Here’s how credit card consolidation works: You first decide if you want to take out a new loan, open a new credit card or enroll in a debt management plan (more on that later).Whichever option you choose, you will use it to pay off your multiple balances.The best way to consolidate credit card debt — and whether consolidation will work for you at all — depends on your situation, so you might want to consult a non-profit credit counselor about your best options.

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