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  • Debt Buyers will purchase your debt!
  • Substantially lower monthly payments
  • Get debts off your credit while you
    pay back creditors!
  • Zero upfront costs to enroll in
  • Become debt free in 8-15 months!

Would you like to consolidate your credit card bills and free yourself from debt?

Our debt consolidation service is here to help you!

After you fill out the short online form with your contact information, a professional debt counselor will contact you and provide a free credit card debt analysis, and discuss your options.

You may then decide if the program is right for you.

Why Consolidate Your Credit Card Bills Through Our Website?

The answer is simple. You get a free, no-obligation credit card debt evaluation from a consumer recommended company.

  • Drastically lower or even eliminate interest rates!
  • Eliminate late charges and over the limit fees!
  • Substantially reduce your monthly payments!
  • Cut the years it takes to pay off your debt, fast!
  • Consolidate your bills into one simple payment!
  • No Credit Checks, Home ownership NOT required

How to Improve Your Credit Score with Bad Credit Debt Consolidation

One of the most effective strategies to combat bad credit is to sign up for a bad credit debt consolidation loan. This will help you to have better credit standing, and a better shot at eliminating your debts.

Some finance and credit companies offer programs that will compress all your loans into one manageable account. Hence you will only pay for one instead of many. Bad credit debt consolidation programs usually have lower interests compared to those of the credit cards'. This will make it easy for you to pay up for your debts for less.

As stated earlier, the process of bad credit debt consolidation is to combine all your debts into one. Instead of dealing with each your debts and their separate interest rates, you'll only be dealing with one.

For example, you have five credit cards that have high interest, instead of paying for 10% interest for each credit card; you would only pay an interest fee as low as 6%. It is most practical to get a loan with a lower interest rate so that you can pay up for those debts. This is just an example of a bad credit debt consolidation arrangement, some terms may vary or be added but this is pretty much it.

The importance of credit score

Another thing is that the interest rates that will be given by the lender will depend on your credit score. When your credit score is low (550 to 650), the lender would assume that he is taking a great risk. He will offset this risk by giving you a higher interest rate.

Normally, that interest rate is tied to the main lending rate but only a few points higher (let's say about 2-3 points). But then it is really hard to come up with an exact value because interest rates vary from lender to lender, so it is advisable to ask around for quotes from different lenders.

Boosting your rating

A bad credit debt consolidation arrangement can help you boost your credit rating. This is possible when you settle for offers that have terms such as a fix rate program instead of an adjustable rate program. The creditors will assume lesser risks so they will likely decrease the interest rate they will charge you.

Another added benefit of bad credit debt consolidation loans is that your credit report will show that all of your consolidated loans are paid off already. This is a positive for your credit score.

Remember that to maximize bad credit debt consolidation loan; you have to be aware of how much you can pay for each month to avoid compromising yourself to what you can't deliver. Committing to something that is not feasible will mean a darker financial life for you.