Is consolidating debt bad
The first is the kind you describe, where you apply for a personal loan, preferably one with a relatively low interest rate, and then use the money from that loan to pay off all your credit card balances at once.
If the debt consolidation company fails to make a payment on time, the late payment will be reflected on your credit report.
This amounts to a total savings of ,371.52 (,750 for payments and ,621.52 in interest).
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