Consolidating loans advice

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One late or missed payment to a credit counselor can appear as multiple accounts with late or missed payments on your credit report.Another option — and one that many people consider as their first step — is to contact your creditors directly.But debt consolidation is not always the best way to deal with debt issues, and it has drawbacks you should be aware of before you move forward with it.What’s more, there are several ways to go about consolidating debt, and depending on your circumstances, one method might make more sense for you than another.

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Don’t wait to make the call until you just can’t afford to pay them anymore or your account has been turned over to a collections agency. Creditors may be willing to accept a reduced payment, lower your interest rate and waive fees and penalties rather than see you default on the amount you owe.

Generally, personal loan interest rates are lower than interest on other types of unsecured debt, so you’ll save money over the life of the debt.

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