Does consolidating student loans hurt your credit sex dating in ball ground georgia

30-Jul-2019 22:02

I want you to concentrate on your overall financial health rather than on a score or rating.

If your financial health is strong, the measures will reflect it.

A credit score is derived from items reported in your credit file.

It uses a complex mathematical algorithm to come up with a score that predicts whether you are more or less likely to default on your next loan.

And the fact that many people do just that is why the action will temporarily cut your rating.

Moving the balances of your credit card accounts into an installment loan for purposes of consolidation may cause a slight drop in your credit score.The real questions to be answered are: Why do you have such a large amount of credit card debt?Have you started an emergency savings account of 6 to 12 months’ worth of living expenses, so you won’t have to use credit for unexpected expenses?Funding an emergency savings account should help you better manage unexpected expenses as they occur, but if your main problem appears to be that you’re extending your income with credit, you need a spending plan.

You need a plan that brings your expenses in line with your income and one you will commit to follow.

With your good credit rating, let’s say you qualify for a personal loan at 10% interest.

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