Consolidating credit card debt affect credit score funny online dating ice breakers

Neither approach will hurt your credit, as long as you are making the minimum payments on all of your cards on time.

(Tip: Triple check to make sure you are dealing with a reputable site if you are shopping for a loan online.

Scams abound.) Consolidating credit cards with high balances using an installment loan — a loan with fixed monthly payments — may actually benefit your credit rating, especially if you use the loan to pay off credit cards that are near their limits.

At the same time, any new loan can cause a short-term dip to your credit scores — so don’t be surprised if that happens.

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, for example, routinely make these kinds of loans to borrowers with good credit.

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When you are trying to get out of debt, consolidating credit cards or other loans can save you time and money.

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